Research On Inclusive Finance Business Development Of A Bank B Branch

The 20 th National Congress of the Communist Party of China made a strategic plan to comprehensively promote rural revitalization,and the report pointed out that to comprehensively promote rural revitalization,it is necessary to improve the rural financial service system.Inclusive finance aims to provide appropriate and effective financial services for all social strata and groups with financial service needs at affordable costs,which can effectively solve the problem of where the money comes from in rural revitalization,and is an important starting point for realizing rural revitalization.At present,there is no shortage of research on inclusive finance,which provides effective guidance for the development of inclusive finance.However,most academic research focuses on the role of inclusive finance on society,and less attention is paid to the implementation and practice of inclusive finance,and financial institutions will inevitably have unpredictable problems when carrying out business development and measures promotion.In order to enrich the research on the development practice of inclusive finance,this thesis studies the development of inclusive financial business of Bank B branch A on the basis of existing research,takes Bank A and B branch as an example,and gradually improves the implementation policies and programs of inclusive finance in the continuous progress and development through strategic research and practical work.Based on the theory of financial exclusion,financial innovation theory,long-tail theory and information asymmetry theory,this thesis first sorts out the existing research literature,studies the development of inclusive financial business of Bank B branch of Bank A based on the theory of financial exclusion,financial innovation theory,long-tail theory and information asymmetry theory,and analyzes its development status and bottleneck.Then,starting from the connotation of inclusive finance,this thesis explores the theoretical context of inclusive finance,and analyzes the problems of imperfect management mechanism,imperfect consumer rights protection mechanism,insufficient personnel,weak agriculture-related fields and imperfect risk management system in the practice of inclusive financial development.Finally,through a large number of empirical findings,this thesis finds that measures such as improving the inclusive financial management mechanism,improving the consumer rights protection mechanism,increasing the training of inclusive financial talents,improving the quality and efficiency of inclusive finance in agriculture-related fields,and improving the inclusive financial risk management system can promote the development of inclusive financial business.On the whole,most financial institutions are involved in inclusive financial business,but the implementation effect is uneven,and many financial institutions still stay in the policy,the landing is not grounded,and it has failed to achieve inclusive finance in real sense.This study aims to discover the shortcomings in the practice of inclusive finance and put forward suggestions for improvement,in order to provide reference for the development of inclusive finance practice and enrich the theoretical research on inclusive financial development.