The Research On The Development Strategy Of Inclusive Fniancial Credit Business For Zhuzhou Branch Of Bank Of China

For a long time,small and micro enterprises have been plagued by financing problems in the process of operation,whose higher threshold and high price are difficult to solve.At the same time,this problem is also one of the reasons why the development of inclusive financial business of large commercial banks is limited.Nowadays,the economic downturn has become the mainstream trend in the market.In this environment,financial institutions will favor large enterprises when allocating credit resources,which are already limited,thus aggravating the financing problems and increasing the business risks of small and micro enterprises.How to find a balance between economic and social aspects of inclusive financial credit business and reduce the threshold and cost of access to financial resources for small and micro enterprises has been a question that Zhuzhou Branch of Bank of China has been thinking about.In this context,the thesis takes Zhuzhou Branch of Bank of China as the research object,firstly,it analyzes the current situation of the inclusive finance credit business of Zhuzhou Branch of Bank of China through actual investigation,combines the internal and external environment encountered by its business expansion,and explores the external environment and internal situation in its operation process with the help of SWOT analysis;then,it proposes expansion strategies in terms of process optimization and product innovation solutions in accordance with the inclusive financial credit business of Zhuzhou Branch of Bank of China to expand strategy objectives;finally,the implementation steps of the inclusive financial credit business expansion strategy of Zhuzhou Branch of Bank of China are designed,and in order to ensure the effective implementation of the above expansion strategy,the four perspectives of human resources,organization,operation and mechanism are used as the starting point to give targeted strategies,and the strategies are evaluated to ensure that the economic and social benefits can be obtained after they are put into practice.This thesis summarizes the experience,analyzes the current situation and makes suggestions,which plays an important role in promoting the sustainable development of inclusive financial credit business and upgrading of inclusive financial products of Zhuzhou Branch of Bank of China,and also serve as a reference for other institutions in the same industry to carry out similar business,so as to strengthen the scale and benefits of inclusive finance application,benefit people’s livelihood and accelerate the advancement of the financial industry.