Research On Grid Management Of A RCB Inclusive Financial Business

From the perspective of financial system and bank operation,in the process of deepening the financial supply side reform,policies such as "returning to the origin of the real economy","improving the financial services of small and micro enterprises and agriculture,rural areas and farmers" and "opening up the last kilometer of financial services" have always been the focus of current economic work.Inclusive financial business development strategy is not only the core of banking business,but also an important breakthrough for agricultural commercial bank to enhance its competitiveness based on its local market.With the gradual expansion of inclusive business scale,there are still problems such as small audience,profit pressure and risk release.It is necessary to further explore a new inclusive financial business management model.This paper studies the application of grid management in inclusive financial services.Firstly,it analyzes the mode of grid management,studies the relevant theories and implementation steps of grid management,and the significance of grid management to improve management efficiency;Secondly,it combs the current relatively mature management mode and organizational structure of the bank’s development of inclusive financial business,analyzes the advantages of the bank’s inclusive business using grid management,and through the case analysis of the grid management of agricultural commercial bank A,expounds in detail the effect of grid management,and analyzes the existing problems and main reasons;Finally,it designs the optimization scheme of a inclusive financial grid management of agricultural commercial bank A,including the objectives,principles and ideas of the implementation scheme,studies the basic steps of the implementation scheme in detail,and points out the safeguard measures in the implementation process of the implementation scheme.The main conclusions are as follows:(1)Agricultural commercial bank A a has built a three-level network system to implement grid management.Each level of network is closely connected,and the networks at all levels are connected up and down.It has divided the resources of the whole bank from the regional and business levels,and achieved remarkable results in product innovation,financial publicity and business performance.(2)At present,there are some problems in the grid management of Inclusive Finance of agricultural commercial bank A,such as incomplete organizational structure,serious product homogenization and imperfect risk management measures.The reasons are insufficient fine management,insufficient financial innovation ability and insufficient utilization of data technology.(3)This paper puts forward the grid management optimization scheme of a inclusive business of agricultural commercial bank A.The implementation scheme aims to improve the operation efficiency of bank inclusive business and connect the regional realistic information with bank inclusive business;The implementation plan adheres to the principle of combining service and governance,and the principle of combining towns and villages.In terms of implementation ideas,the first is to divide the basic grid,distinguish the customer characteristics and regional characteristics of different grids,and allocate bank staff and financial business services on this basis;Secondly,optimize the organizational structure,change the traditional hierarchical sub organizational structure into a network-based flat management mode,subdivide the management level and business level,and achieve the correspondence with grid management;Finally,integrate information resources,including government resources,social resources,technical resources and so on,so as to ensure the smooth implementation of inclusive financial business and achieve the expected business implementation effect.