Research On The Innovation And Development Of Inclusive Finance With Fintech

In recent years,China has continuously strengthened the strategic deployment of inclusive finance,optimized the transformation and upgrading of inclusive financial business,and provided an important guarantee for the establishment and improvement of inclusive financial system.Speeding up the construction of inclusive finance is not only an important support for the construction of economic system in the new era,but also an important measure to realize the structural reform of financial supply-side.Inclusive Finance has a wide range and large number of clients.The characteristics of high dispersion of inclusive financial customer groups and large individual differences have made it more difficult to carry out inclusive financial business,the development of inclusive finance still faces many obstacles.However,the emergence of financial technology has provided a new solution to the problems of inclusive finance development.With its advantages of high efficiency,convenience and security,financial technology has quickly integrated into the existing financial system,which has accelerated financial innovation and added new impetus and vitality to the development of inclusive finance.China Construction Bank has always followed the national strategy and actively grasp the new opportunities brought by the development of financial technology,through the implementation of the three major strategies to accelerate the bank's financial business transformation and upgrading.China Construction Bank attaches great importance to the development and application of fintech,continuously strengthens investment and learning in fintech,and promotes the innovation and development of inclusive finance through innovative financial products and services,and makes due contributions to accelerating the construction of inclusive financial system.This paper take China Construction Bank as an example,introduces the strategic measures and development situation of CCB in recent years to use financial technology to promote the innovation and development of inclusive finance.From the three aspects of improving the efficiency of inclusive finance business,enhancing the availability of inclusive finance business and promoting the innovation of inclusive finance products,to enumerate the practical cases of innovative product in China Construction Bank which using financialtechnology to promote the development of inclusive finance,thus proving the beneficial effect of financial technology on the development of inclusive finance.Finally,combining with the problem analysis,to put forward suggestions for using financial technology to promote inclusive financial development.