A Study On Sustainable Development Of Inclusive Finance Business Of Company P From The Perspective Of ESG

With a large number of small and micro enterprises and a high proportion of rural residents,inclusive finance has become an important means to promote regional economic development,achieve targeted poverty alleviation,and enhance social stability in China.In recent years,the development of non-bank inclusive financial institutions has been rapid,and the market has gradually become highly competitive.Balancing inclusiveness and profitability has become the key to the sustainable development of non-bank inclusive financial institutions.The ESG concept,as a sustainable development concept projected onto enterprises,can provide guiding principles for enterprises in the dimensions of environment,society,and corporate governance.Introducing the ESG concept into inclusive finance,evaluating its business development,and proposing corresponding strategies can promote its sustainable development and realization of social value.This paper studies the inclusive financial business of Company P,a non-bank inclusive financial institution in China,First,comb through its business development process and current situation,Preliminary analysis of the problems existing in its development,Secondly,combining with the relevant theoretical knowledge of sustainable development,From the three dimensions of environmental,social and corporate governance,Using the hierarchical analysis method and the expert scoring method to construct the development evaluation model of inclusive financial business,To evaluate the business development of Company P in 2018-2021,It is concluded that the overall development of inclusive finance business shows a good trend,But in terms of the environmental protection dimension,Green financial products are slow in development and small in scale;Social dimension,The loan proportion of the existing "agriculture,rural areas and farmers" groups is relatively small;High borrowing costs;Corporate governance aspects,Loan quality has deteriorated year by year,The post-loan overdue rate has increased year by year.Finally,this paper puts forward constructive and operable suggestions for the sustainable development of company P’s inclusive finance business.From the perspective of sustainable development and ESG,this study explores and constructs a set of evaluation indicators for the development of inclusive finance business.It evaluates the development of Company P’s inclusive finance business,which can help analyze the problems in the development of Company P’s inclusive finance business and propose improvement suggestions accordingly.Moreover,it enriches the evaluation system for the development of inclusive finance business and provides reference for the sustainable development of inclusive finance business.