| With the reform and development of China's financial system,the breadth and depth of financial services have been effectively expanded and penetrated.The types of financial products are increasingly enriched,and the universality of financial services is constantly enhanced.However,due to the differences in regional economic development and the limitations of financial institutions' physical network distribution,the "last mile" problem that inclusive finance cannot solve still exists.Therefore,how to effectively expand the service radius of inclusive finance and practically enhance its service capacity has become an urgent problem to be solved.Y rural commercial bank is a typical local rural financial institution,which was reformed from rural credit cooperatives.It has been committed to providing financial products and services for the industry development of "agriculture,rural areas and farmers" and small and micro enterprises.It has a natural fit with the development requirements of inclusive finance.Internet finance,with its characteristics of equality,openness and sharing,provides a new perspective for the comprehensive development of inclusive finance.With the new economic form of "Internet+" the in-depth integration of inclusive finance and Internet can realize industrial upgrading and promote the development of inclusive finance to a certain extent.In the context of "Internet+",Y rural commercial bank hopes to improve the disadvantages of traditional rural financial institutions in terms of management mechanism and operation mode with the help of Internet thinking,such as big data and cloud computing,and find a new breakthrough in the development direction of inclusive finance of Y rural commercial bank.This paper carefblly sorts out the domestic and foreign theories of inclusive finance,the development status and difficulties of inclusive finance,the development direction of "Internet+inclusive finance" and other research results,and summarizes and takes this as the theoretical basis.By getting the data of Y rural commercial bank on the developing "Internet+inclusive finance",including the basic work of actual participation and the related analysis methods such as the business data,searching for related business problems of Y rural commercial bank,the writer analyzed the reasons and explored the method to solve the problem.Through drawing lessons from the typical model of the development of the Internet bank,Y rural commercial bank carries out the "Internet+inclusive finance" policy framework,and chooses suitable strategy implementation of the" Internet+inclusive finance "strategy location.In the research and analysis of the current operation situation,it can be found that the bank has made certain achievements in the development of "Internet+inclusive finance" in recent years,which is mainly manifested in corporate governance,product innovation,service optimization and other aspects.But due to the current tough economic situation and fierce competition between online and offline financial institution environment,Y rural commercial bank need to constantly improve their ability of innovation development,strengthen the risk prevention and control measures,in order to improve the comprehensive competitiveness of financial institutions.Combining with the development of the bank,the author finally puts forward Y rural commercial bank "Internet?inclusive finance" improvement measures:improving the internal management system,widening the range of financial services,meeting the demand of diversified financial service object,Y rural commercial bank transformation and upgrading,building Y rural commercial bank risk security mechanism.The implementation of the development strategy of "Internet+inclusive finance,of Y rural commercial bank is conducive to establishing the development thinking of "Internet+" throughout the bank,realizing the optimization and upgrading of various businesses of financial institutions,and forming a competitive "Internet+" financial ecosystem. |
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