Investigation Of Inclusive Financing In Jianping Branch Of C Bank

The customer groups of the Bank's inclusive financial business services are mainly small and micro enterprises,farmers,and low-income people.When such groups have financial needs,banks provide convenient and efficient financial services and financial products at a lower cost.Many people can handle financial related businesses anytime.In general,strengthening the promotion and promotion of inclusive finance business will help to better narrow the gap between the rich and the poor,promote the development of the real economy,and promote social equity.Due to the imperfect rural financial system,lack of qualified collateral for farmers,small scale of small and micro enterprises,and weak financial strength,it is difficult for farmers and small and micro enterprises to make loans.It is difficult to obtain financial support.In this regard,as the most familiar with the local economic situation of city commercial banks,Jianping Branch of C Bank always adhere to serve the local economy,promote local development,Jianping Branch of C Bank development inclusive financial products,such as “investment loan”,“ETS loan”,“revolving loan”,the continuous increase in micro-loans and agriculture-related loans,the establishment of “small micro-business department”,to promote the development of small and micro enterprises and support the rural economy,has made effective practice.This paper first introduced the development status of C Bank and its establishment branch;Second,it investigated the status of inclusive financial services of Jianping sub-branch of C Bank through two methods.First,it visited six outlets of Jianping Branch of C Bank,full investigation of its small micro-loans,agricultural loans and loan income,bank accounts and electronic marketing,the second is to conduct research on the Jianping Branch of C Bank inclusive financial business case in the form of questionnaires by questionnaire basic information,income residents,inclusive financial awareness,Jianping Branch of C Bank in infrastructure to carry out an inclusive financial information to understand the situation;again,according to the survey results of Jianping Branch of C Bank Pratt & Whitney financial services,we analyzed the advantages and disadvantages of Jianping Branch of C Bank inclusive finance business.The main advantages are the collection,transfer,and use of “soft information”,low-cost,franchised advantages of small and micro enterprise financial services and publicity advantage,and the main disadvantages are: inclusive finance business financial services are not popular,cost-benefit imbalances,product innovation,and imperfect application of scientific and technological information,all of which have restricted the development of inclusive financial services;at the end,countermeasures and suggestions have been put forward for their existing problems,such as improving the popularity of financial services.Innovation inclusive financial products,changing cost-benefit from liabilities and assets,establishing a risk prevention and control system,and using the Internet to support the development of inclusive finance.