| Inclusive Finance has always set its goal to meet the financial services needs of the entire society,thereby benefiting all weak economic development links and various groups.The fair nature of financial services can be truly demonstrated by the development of inclusive finance.and effectively promote the overall development of the local real economy and local finance.In the reports of the 19 th National Congress of the Communist Party of China,the National Financial Work Conference,the Central Economic Work Conference,the Central Rural Work Conference,and the recent "Two Sessions" conferences,they all clarified the need to vigorously develop inclusive finance,and use inclusive finance as an important part of supporting the "Complementary Board" in the supply-side structural reform.It also listed inclusive finance as a priority project to building a moderately well-off society in an all-round way.As a state-owned bank,ZY Bank undertakes the political responsibility of developing inclusive finance and the political task of promote inclusive financial development.The ZY Bank is one of the earliest commercial banks to develop inclusive financial services in China.The ZY Bank Jilin Branch is the experimental base for the ZY Bank to conduct a number of business trials.Its overall development path represents the ZY Bank to a large extent in various businesses.With the development of internet finance and the awakening of the inclusive financial awareness of major commercial banks,for the ZY Bank Jilin Branch,due to the relatively stronger competition,the bank showed a trend of decline.This paper elaborate the background of the research,the theoretical basis of the research and the practical significance of the research,and then also elaboratethe the intension and theoretical basis of inclusive finance.We also sorted out some foreign materials,and finally proposed that it is reasonable and urgent for commercial banks to develop inclusive finance.This paper also takes the ZY Bank Jilin Branch as an example to fully study the development model of its inclusive finance business,analyze the problems in the process,and learn from relevant foreign experience,pointing out the development of the inclusive financial business of the ZY Bank Jilin Branch How to optimize,and put forward corresponding opinions and suggestions for some current problems.Finally,I hope to help the ZY Bank Jilin Branch’s inclusive financial business model to be improved and developed,and apply to the actual inclusive financial business of the ZY Bank Jilin Branch.Among them,and based on the development of the real situation,provide valuable advice for the development of other commercial banks. |
