Research On The Impact Of Inclusive Finance On The Performance Of Commercial Banks

The purpose of inclusive finance is to eliminate people’s poverty and achieve social fairness.The Chinese government attaches great importance to the development of inclusive financial business.In order to enable everyone to feel the convenience of modern financial services,it has vigorously developed the inclusive financial business.Emphasized and practically serving the people.From the perspective of commercial banks’ own development,the inclusive financial business belongs to a part of the daily business activities of commercial banks.The achievements and expansion of financial services in terms,But to a certain extent,it will affect the performance level of commercial banks.Then the development of commercial bank inclusive financial business needs to be further empirical to explore the effect of its own performance.This paper studies the impact of the development of inclusive financial business of commercial banks on their performance.First of all,the background and significance of the topic selection,and after introducing the domestic and foreign literature on the performance of inclusive finance and commercial banks,and then introducing the performance evaluation methods of commercial banks by domestic and foreign scholars and the influence mechanism of inclusive finance on the performance of commercial banks,this paper also introduces the influence mechanism of inclusive finance on the performance of commercial banks from the forward and reverse directions.Then,the current status and existing problems of inclusive finance in China were introduced.In the empirical analysis part,the sample data of commercial banks that already have a certain scale in inclusive financial business from 2012 to 2021 were selected as the research object,and the data first passed the multicollinearity test and Wiseman test,and the fixed-effect model was selected for empirical analysis,and the specific impact of inclusive financial business on performance was analyzed.The results show that the development of inclusive financial business will have a negative impact on the performance level of commercial banks,and for state-owned banks and joint-stock commercial banks,the degree of impact of inclusive financial business on performance is different.Summarizing the current problems and empirical analysis of the inclusive financial business proposed above,several suggestions are put forward from the internal and external levels of the bank,internally: first,establish a comprehensive credit file system;The second is customer-centric,focusing on product innovation;The third is to transform the employee service model.The bank’s external suggestions are: first,improve the preferential monetary policy;second,improve the regulatory framework;The third is to pay attention to protecting the rights and interests of financial consumers.