Analysis On The Development Evaluation Of Rural Inclusive Finance Business Of Zhejiang R Rural Commercial Bank

With the introduction and implementation of the concept of inclusive finance,rural inclusive finance is playing a more and more obvious positive role in financial services.Affected by global financial risks,financial institutions are more willing to flow their financial resources to industries and fields with high yields and low risks.However,in the field of inclusive finance,financial institutions are more cautious in allocating financial resources,which leads to many restrictions and exclusion of farmers and small and micro enterprises.Especially in the case of the epidemic,the development process of inclusive finance in rural areas is slowed down.After years of development,China’s inclusive financial system has initially formed a relatively comprehensive supply situation.However,because most banks focus on developed areas and devote themselves to exploring new demands of digital economy,the financial products and services provided to remote and rural areas are limited.The quality of financial products and services in remote and rural areas lags behind those in developed urban areas.This thesis aims at the characteristics of inclusive finance development,refers to the mature evaluation system at home and abroad,and builds a realistic and feasible evaluation index system of inclusive finance in rural areas based on fuzzy analytic hierarchy process.Based on the analysis of the problems existing in the process of developing the rural inclusive finance business of Zhejiang R Rural Commercial Bank,this thesis constructs the evaluation index system of the development of the bank’s rural inclusive finance business in accordance with the influencing factors of the development of inclusive finance.Based on the principle of fuzzy analytic hierarchy process,the weights of indicators of each layer are calculated to construct the evaluation system of the development of the rural inclusive finance business of Zhejiang R Rural Commercial Bank.Therefore,based on the actual situation of the current development of rural inclusive finance in Zhejiang R Rural Commercial Bank,this paper starts from the current situation of the development of rural inclusive finance in Zhejiang R Rural Commercial Bank,and analyzes the problems in the process of developing rural inclusive finance in Zhejiang R Rural Commercial Bank through the method of case analysis,which are mainly manifested in the aging of customer groups,weak risk control ability,and insufficient innovation ability.Service penetration is not enough.Then construct the evaluation system of bank rural inclusive finance business development to make an empirical analysis of Zhejiang R Rural Commercial Bank,and analyze by constructing reference indicators of accessibility,sustainability,permeability and integration degree.It is found that there are many factors to evaluate the development of inclusive finance business of Zhejiang R Rural Commercial Bank,and accessibility is the most important factor in the evaluation of inclusive finance business development.Among the accessibility factors,the coverage of service objects and mobile payment coverage are the most important.In addition,sustainability and permeability are indispensable factors in the assessment of financial inclusion business development.Finally,according to the empirical results,this paper puts forward suggestions on the development of rural inclusive finance business of Zhejiang R Rural Commercial Bank.Various strategies can be adopted to improve the rural inclusive finance business of Zhejiang R Rural Commercial Bank: Zhejiang R rural Commercial Bank can enhance customer group and digital coverage,optimize mobile payment;We will make innovations in the employment mechanism,accurately match financing needs,and work together to improve comprehensive services.Thus,it provides certain theoretical support for improving the efficiency of inclusive financial services in rural areas,strengthening the support for small and micro enterprises in the development of financial institutions,meeting the financial needs of rural farmers,and providing certain reference significance for promoting the development of inclusive finance in rural rural commercial banks and helping the real economy grow bigger and stronger.