Research On The "Micro-jet Loan" Inclusive Finance Model Of ABC Branch C Branch Based On Big Data

At present,the number of inclusive groups in China is large and growing rapidly.As an important component of the national economy,they have made significant contributions to solving employment problems and increasing fiscal revenue.Inclusive finance is essentially a commercial activity.Since the 1980 s,both domestic and foreign countries have continuously explored the development model of inclusive finance business.At the same time,the progress of financial technology has brought great opportunities to improve the development model of inclusive financial services for commercial banks.Due to the obvious advantages of big data technology in various aspects of the credit field,it has gradually become an important tool for commercial banks to innovate in inclusive financial business models.How to use big data technology to develop an inclusive financial business model that matches the market based on its own characteristics has become a key approach for commercial banks to carry out digital transformation.This article provides research for the inclusive financial model based on big data technology through literature research,case analysis,and data analysis methods,combined with the analysis of the elements of the business model.Firstly,from the perspective of the four elements that constitute the inclusive financial business model-operating environment,target market,products and services,and operational processes,a longitudinal comparative analysis is made of the traditional inclusive financial model of ABC Branch C and the "micro loan" inclusive financial model based on big data technology.The four main characteristics of the "micro loan" inclusive financial business model based on big data technology are summarized,namely,the operating environment of resource collaboration Accurately targeted markets,dynamically responsive products and services,and efficient and flexible operational processes.Under the new model,relying on big data technology for risk control is conducive to breaking away from the constraints of collateral,providing diversified products and services,and meeting the personalized needs of different types of enterprises.The platform advantages and third-party data advantages provided by big data technology have enabled the "micro credit" inclusive financial model to establish an effective dynamic response system,with standardized operation processes and online review and approval.Secondly,four typical cases of commercial banks using big data technology in the field of inclusive finance are selected,namely,rural commercial banks that have transformed from public welfare to commercial,state-owned banks that are important tools of the country,urban commercial banks based on local advantages,and resource aggregation joint-stock banks.The main characteristics of the inclusive financial model based on big data technology are also horizontally verified from the perspective of the four components of the inclusive financial business model,The findings are universal and applicable.Based on the above discussion,this article proposes feasible optimization suggestions for the Agricultural Bank C Branch’s "Micro Quick Loan" inclusive finance model from the perspective of the four elements that constitute the business model.In terms of the operating environment,it is recommended to cooperate with financial technology companies,financing guarantee companies,securities companies,insurance companies,government departments,and high-end parks to assist the Agricultural Bank C Branch in establishing a more comprehensive big data credit system and increase the sources of customers for the bank’s inclusive finance.In terms of the target market,it is recommended to use market segmentation strategies to select target markets,and provide four segmentation angles: spatial variables,population variables,financial business volume variables,and industry variables.In terms of products and services,it is recommended to innovate products and services centered on customers.In terms of operational processes,it is recommended to improve the big data model and control operational process risks.