Research On The Development Of Inclusive Finance Business In China’s Commercial Banks Under The Background Of Internet Finance

Providing fair and equitable financial services to everyone is essential to building a modem financial system.China has always attached great importance to the development of inclusive finance.As the development of inclusive finance has been listed as a strategic plan at the national level,"deepening the reform of the financial system and enhancing the ability of financial services to the real economy" has become a clear goal of China’s development of inclusive finance.As a new form of business in the current financial industry,Internet finance has a natural inclusive nature.It not only impacts the traditional business of commercial Banks,but also brings brand new opportunities for the development of inclusive finance business of commercial Banks.At present,China’s commercial Banks have started to actively cooperate with Internet finance companies and make full use of Internet finance technology to promote the development of inclusive finance business of commercial Banks.However,due to the special risks of Internet finance in supervision and operation,it is of great research significance to correctly use Internet finance technology to promote the development of inclusive finance of commercial Banks.Based on the background of Internet finance boosting the development of inclusive finance business of Chinals commercial Banks,this paper analyzes domestic and foreign references and research status,and combines the current situation of commercial Banks to realize that it is of great significance for commercial Banks to vigorously develop inclusive finance business.Secondly,through the combination of qualitative analysis and quantitative analysis,it explores the eurrent situation,problems and eauses of the development of inclusive finance business of commercial Banks.With the case analysis method,agricultural bank of China,which has a relatively mature development model of inclusive finance business promoted by Internet finance,i5 taken as an example to further explore the difficulties and deficiencies of commercial Banks in using Internet finance technology to develop inclusive finance business.Finally,it is proposed to promote the development of inclusive financial services of commercial Banks from the aspects of deepening the integration of inclusive financial services and digital technologies,breaking down information barriers,strengthening the construction of credit system,enhancing the understanding of inclusive financial services,unifying thoughts and increasing incentives.This paper aims to explore how to better promote the development of inclusive finance services of commercial Banks through Internet finance,and provide countermeasures and Suggestions so that inclusive finance services of commercial Banks can benefit everyone.