Innovative Research On The Digital Development Of Inclusive Financial Business In AB Bank Shenzhen Branch

The Chinese government attaches great importance to the development of Inclusive Finance,and clearly required that the loan growth rate of inclusive financial business shall not be less than 30% for large state-owned banks in the 2021 government work report.However,compared with large-sized enterprises,inclusive financial customers have the characteristics of decentralized structure,different risk preferences and imperfect corporate governance mechanism.The traditional inclusive financial business development model has been difficult to match the growing needs of inclusive customers,and the human bottleneck of major commercial banks has become increasingly prominent.Therefore,the concept of enabling inclusive financial development of financial technology represented by big data,cloud computing and artificial intelligence came into being.In order to further improve the ability of commercial banks to serve small and micro enterprises,this paper analyzes the behavior of AB Bank Shenzhen Branch.Firstly,it introduces the research background and ideas,summarizes the relevant literature at home and abroad,and summarizes the development status and digital development path of inclusive financial business of commercial banks.Then,by expounding the current situation and causes of the digital development of the inclusive financial industry of the bank,combined with the analysis of its internal and external environment and ability to carry out the innovation of digital development model,this paper defines the necessity and feasibility of innovation research Finally,by building standardized products,combing all business nodes,building an intelligent system through the whole process,realizing full automation and visual statistical analysis,and promoting the innovation of the bank’s inclusive financial business digital development model from the whole process;And put forward the specific implementation path and supporting measures.The research significance of this paper is through the research on the digital development status of inclusive financial business of AB Bank Shenzhen Branch,to construct a replicable digital development model of inclusive finance business of AB Bank Shenzhen Branch,to point out the current problems in the digital development of inclusive finance business of AB Bank Shenzhen Branch,and to put forward corresponding policy suggestions for the follow-up improvement of the inclusive financial business of AB Bank Shenzhen Branch.The research results of this paper show that commercial banks can comprehensively promote the digital transformation of small and micro financial services,and create inclusive finance development model with effective services,controllable risks,and business sustainability only by using digital development thinking,accurately portraying customers,realizing digital operation of product system and service model externally and creating digital innovation system and mechanism internally.