Study On The Development Strategic Of Inclusive Finance Of China Everbright Bank Changchun Branch

In recent years,the theory of inclusive finance has been mentioned more and more.The development of inclusive finance in our country has entered a new stage.Promoting the steady development of inclusive finance is the only way for financial institutions and financial services.However,the problems of difficult and expensive financing for small and medium-sized enterprises are still prominent in China.The financial services they receive do not match their contribution to the national economy,and the living environment is challenged.In this context,China Everbright Bank has raised the development of inclusive financial business as a strategic goal for the development of the entire bank.Changchun Branch combined the current economic development status of Jilin Province and the specific results of inclusive financial business based on the market of Jilin Province.There is an urgent need to formulate a sound development strategy to promote the sustainable development of inclusive financial business.In this regard,this article will take the inclusive financial business development strategy of Changchun Branch as the research object,so as to conduct an in-depth study on the development of inclusive financial business.Based on the development strategy theory,this article uses the literature analysis method and investigation method to analyze the problems existing in the development of inclusive financial services in Changchun Branch.The manifestations are as follows: the type of financial products at the business level is relatively single and the customer group coverage is insufficient;Comprehensive costs at the operating level are high,risk control is insufficient,and business processes are not smooth;employees at the management level need to improve their business capabilities and lack of service awareness.Further,to find the reasons for the above problems,including lack of strategic planning for business development,single comprehensive cost management and risk control methods,lack of professional training,and rigid service awareness.Secondly,through a comprehensive analysis of the external and internal environment of the development of inclusive financial business of Changchun Branch,the SWOT analysis model was established to obtain its advantages,disadvantages,opportunities and threats,thus formulating the development strategy of inclusive financial business of Changchun Branch From the perspective of long-term development of the inclusive financial business of Changchun Branch,the goal is to make a feasible strategic choice for the development of inclusive financial business of Changchun Branch.Finally,it is concluded that the inclusive financial strategy of Changchun Branch should choose an integrated development strategy.Third,based on the above analysis,an integrated development strategy for the inclusive financial business of Changchun Branch was formulated.Practical measures such as optimizing the credit structure,improving business processes,innovating service models,and forming professional teams were adopted.Under the guarantee measures to achieve the achievement of strategic goals,the comprehensive contribution of Changchun Branch's inclusive financial business has been maximized,thereby better promoting the sustainable development of Changchun Branch's inclusive financial business.This article believes that digital finance is booming,and with the continuous development of blockchain technology,how it applies to the field of inclusive finance can be further explored in future research.The current risk control measures applicable to inclusive financial services are still slightly single.With the advancement of risk prevention and control measures,it will more effectively escort the healthy development of the business.