Research On The Development Strategy Of Inclusive Finance

F Bank branch in Shanxi province to carry out inclusive financial business faces financial products and services market to effective mining,dot single function,online services such as limited capacity bottlenecks,the rapid development of the most fundamental way is to seek inclusive financial services through innovative ways.Based on the F Bank branch in Shanxi Province as an example,to explore the strategy for the development of inclusive finance.The main work is as follows:First,On the face of the Shanxi branch of F bank's external competitive environment analysis,put forward the opportunities and challenges;analysis of the Shanxi branch of F Bank of Inclusive Finance the development of the internal environment.From the organizational structure,business direction,customer structure,in-depth analysis of the F Bank branch in Shanxi Province,the development of inclusive financial advantages and disadvantages.Second,The Shanxi branch of F bank's external environment and internal environment,the development of Inclusive Finance comprehensive analysis,put forward Shanxi for the development of inclusive financial strategic choice.Related to the feasibility of quantitative analysis by quantitative strategic planning matrix,the F Bank branch in Shanxi province should make full use of their advantages,grasp opportunities for development,through the implementation of the differentiation strategy to cope with the challenge.Third,This paper expounds the concrete strategies for the implementation of the competitive strategy of F bank Shanxi branch.First of all,we should strengthen the traditional core business combined with the existing advantages of the bank,enhance the value creation ability,such as further strengthen the core business of retail credit.To promote the development of urban business;Secondly,construct inclusive financial service platform with Internet thinking,break the dual structure,specifically,we should further extend the financial service tentacles and the radius of financial services,and expand the rural credit market;Third,the platform strategy to restructure the existing organizational structure,the creation of Internet financial services,the restructuring of the channel system,reshaping the customer management system,building a strong data technology team,for universal benefit The implementation of financial development strategy provides human,technical and other support and security.The research shows that commercial banks are very competitive in inclusive financial business,and the financial loan business of inclusive banking is riskier.In order to ensure its fundamental,financial products and services with advantages should be developed.Toimprove the competitiveness of inclusive financial market.F Bank of Shanxi Branch to carry out inclusive financial services are mostly farmers,small and micro enterprises as the main service object,in order to better expand small loans and agricultural services innovation.Bank F should have a certain understanding of the advantages and disadvantages of inclusive financial development;Bank F Shanxi Branch should actively build innovative thinking as the core of the financial service model,through the support of national policies and the real economy transformation.Market structure,grasp the specific direction of national policy,so as to develop the inclusive financial business.The construction of inclusive financial system can not be separated from the participation of commercial banks.Commercial banks have the responsibility to develop inclusive finance.Under the promotion of current policies,commercial banks clearly develop advantages and actively practice inclusive finance,and become a powerful hand to realize their own transformation and development.