Research On The Construction Of Inclusive Finance Business Platform For PZ Rural Commercial Bank

Small and medium-sized banks are more suitable for conveniently serving small and micro enterprises and financially disadvantaged groups such as agriculture,rural areas and farmers due to their small size and easy access,and also as an important component of China’s financial system.In recent years,with the support of the macro environment and policies,small and medium-sized banks have launched a series of special products in the market,which has enriched the market choices and filled the gaps in the market that large commercial banks cannot cover.Meanwhile its development also faces the constraints brought by the internal and external environment Therefore,in the fiercely competitive market,how to explore a road that meets the characteristics of the development of small and medium-sized banks in accordance with regulatory requirements to promote the sustainable development of inclusive finance is a problem that small and medium-sized banks need to explore and solve urgently;in the digital age,relying on technology to empower capability,relying on digital transformation,building an integrated business platform with regional characteristics are the key points for small and medium-sized banks to explore and develop their own characteristic roads.This thesis takes the platform construction of PZ Rural Commercial Bank’s inclusive financial as the research object.Systematically research on the idea of business platform construction mode and platform architecture planning of PZ Rural Commercial Bank’s inclusive financial platform is conducted by integrating the analysis of banking business process reengineering theory,information asymmetry theory,long tail theory and other theories,combined with the relevant requirements of platform economics.Through one entrance,two quotas,three contacts,four automations,five online ways to achieve the combination of data products and resource processes,and also create a closed-loop management with business processes such as front-end marketing,retail credit,channel scenarios,and management assessment through this business platform;thus,solving three bottleneck problems in bank development,such as information asymmetry,difficulty in managing accounts,and high cost of increasing accounts and expanding coverage.Research on the business platform construction of PZ Rural Commercial Bank’s inclusive finance platform shows that in the era of digital economy,banks rely on financial technology to improve their capabilities in customer acquisition,intelligent operation,risk management and control to promote a healthy and sustainable development for inclusive finance.It also provides specific reference of the business platform construction for other small and medium-sized banks.