Research On The Development Strategy Of Inclusive Finance Of China's Commercial Banks Under The Background Of Internet Finance

In recent years,the rapid rise of Internet finance has greatly impacted the traditional financial system.The original institutional dividends of traditional financial institutions,including commercial banks,have gradually disappeared under the impact.The development of inclusive finance is an important focus for commercial banks to cope with the impact of Internet finance,expand the long-tailed customer base,and broaden the profit channel.At the same time,Internet finance is making up for the inadequacy of traditional banking in the field of inclusive finance with its strong product and service innovation capabilities.Therefore,how can commercial banks grasp the connotation of Internet finance,learn from the development characteristics of Internet finance,and formulate inclusive finance? Developing strategies to achieve business innovation and self-transformation has become an urgent problem to be solved at this stage.This paper first reviews the research status of internet finance and inclusive finance at home and abroad,studies its development model,potential risks and regulatory measures,analyzes the impact of internet finance on commercial banks,and elaborates on internet finance and inclusive finance.Concept and related theoretical basis.Secondly,it analyzes the development status of China's Internet finance from the aspects of development history,main characteristics and the internal relationship with inclusive finance,and expounds the development status and existing problems of the inclusive financial business of J Bank Jiangsu Branch,and analyzes the Internet finance to J Bank.Jiangsu Branch's opportunities and challenges in developing inclusive finance.Thirdly,this paper uses SWOT analysis method to analyze the development strategy of JSG Bank Jiangsu Branch and the development ideas.Finally,based on the conclusions drawn from the SWOT analysis,detailed advice on the inclusive financial development strategy of J Bank Jiangsu Branch is given from the perspective of Internet financial thinking.The above detailed measures are recommended for domestic large commercial banks and joint-stock banks and city commercial banks in the same region.