Research On The Effectiveness Of Inclusive Financial Business Of State-owned Banks

In 2005,the United Nations first put forward the concept of inclusive finance.Since then,inclusive finaacc has become the focus of commercial Banks and academic circles around the world.China also attaches great importance to the improvement of inclusive finance system and the progress of small enterprises.In the third plenary session of the 18th CPC central committee,there is a policy to help the people's livelihood and give more support to small enterprises so as to promote the development of inclusive finance.Pratt&Whitney financial began to grow,a prime source of the service provided is larger businesses,they need not only posirive in accordance with the policy to solve the problem,still need to combine their own characteristics,suit oneself actually find out and solve the problems existing in the development,in order to give full play to the advantages of itself as a large firm,to promole the implementation and development of small business financing.First of all,China's large commercial Banks should find Out the characterisies of small business financing under normal circumstances,and on this basis,launch some financing services in line with the characteristics of small business financing,so as to mecl their financing needs.In addition,they ann also innovate and break through the inherent stale of development of state-owned commeroial Banks.China's larger state-owned business is small businesses to provide financing service characteristics has been a long period of development,but now the financing efficiency is very low,there is no strong pertinence,therefore,to study these lead to the problem of low efficiency is very importantt,after is conducive to business to improve and introduce the characterstics of business innovation.At the beginning of this paper,some relevant data about the financing services provided by small business enterprises are presented,and the following research and analysis are carried out on this basis,which is conducive to the rigor of the results.Then began to put forward in this paper the analysis of the domestic small business linancing prohlcms,this step is mainly for the convenience of the features about our firm launched after the research and analysis on the problem of financing efficiency,and then began to research and analyze the characteristics of large firms in our country launch financing business development present situation and existing preblems,and found that small enterprises with the characteristics of large domestic business behavior finance service has a lot of problems need to be solved,then use the DEA approach to practice analysis our country's five big efficiency of businesses to provide financing service characteristics,the analysis methods included in the servicc and profit cfficiency of correlation analysis,In addition,this paper makes a comparative analysis of the data provided by small and medium-sized commercial Banks and large commercial Banks,and finds that the cooperation between large commercial Banks and small enterprise financing services still has certain development potential and advantages.Finally,this paper analyzes the efficiency of featured financing business launched by domestic large commercial Banks,and proposcs a series of innovative solutions to this efficiency problem It is divided into five aspects,and some Suggestioms on how to improve this kind of treatment are put forward.