Construction Bank Supports The Development Of Pragmatic Financial Development

In the Central Document No.1 of 2018,it was pointed out that inclusive finance focuses on rural areas.This paper takes financial suppression theory and rural financial theory as the guide,takes the Construction Bank as the research object,and takes the practice of Guangdong Dongguan Branch as a case to analyze the construction mode of inclusive finance,and uses the method of descriptive statistics to analyze Dongguan Branch's “Involvement in Agriculture-related Small Business”.The loan balance,loan customers,and non-performing loans use the SWOT method to explore the internal strengths and weaknesses of the Bank's support for the development of inclusive finance,as well as external opportunities and threats,in order to objectively and comprehensively discuss the effectiveness and problems of large banks in supporting inclusive financial development.This leads to the following main conclusions:First,in the past decade,CCB has attached great importance to the development of inclusive finance,and agriculture-related loans and loans to small and micro enterprises have been rapidly rising.Second,in 2015 and 2016,Dongguan Branch's “Agriculture-related Small” loan balance and newly added loan customers did not meet the standard.In 2017,the inclusive financial business volume was exceeded,which depends on policy guidance and bank attention.Third,the non-performing loans of the Dongguan-based branch “Farming-related interventions” in 2015-2017 rose first and then fell,which is on average higher than the overall non-performing loan rate.Attention should be paid to the credit risk of the inclusive financial loan business.Fourth,the internal advantages of CCB in supporting inclusive financial development include scientific top-level design,leading financial technology,more extensive service networks,and product innovations that match inclusive finance;internal weaknesses include inadequate comprehensive finance development.The risk management mechanism,performance appraisal,and accountability for inclusive finance need to be improved.Fifth,the external opportunities for CCB to support the development of inclusive finance are the support and policy guidance of the government for inclusive finance.The potential market demand for inclusive finance is huge;the external threat is the same industry competition of banking financial institutions and the fragility of rural financial markets.Sex.CCB's further support for the development of inclusive finance must be based on its own internal conditions,combined with opportunities and competition in the external environment,and referring to foreign banking institutions to support the development of inclusive finance development to improve upon their own problems: firmly establish the concept of inclusive financial services,We will improve the risk management,performance appraisal and accountability mechanism of inclusive finance,and continue to do good product innovation and service for inclusive finance.This will further enhance the competitiveness of banks in the financial environment,enhance the service capabilities of rural finance,and promote economic development in rural areas.