Research On High Quality Development Of Commercial Banks' Inclusive Finance For Small And Medium-sized Enterprises

As the main force of the national economy,small and medium enterprises contribute 60% of GDP.As the most important financial institutions,commercial banks account for 70% of the total social financing.However,because most small and medium-sized enterprises lack of standard financial management,valid collaterals and capacity of risk resistance,it is relatively difficult for such enterprises to finance from commercial banks.At the same time,the current policies,mediums and techniques of financial supervision in China has not been well adapted to the growth of Inclusive Finance for small and medium-sized enterprises,which furtherly hinders the sustainable and healthy development of small and medium-sized Enterprises.Such situation is also adverse to the high-quality development of commercial banks' Inclusive Finance for small and medium-sized enterprises.This dissertation summarizes former relevant researches on this area.By combing both domestic and abroad literatures and materials,this paper provides a more systematic theoretical support for the high-quality development of Inclusive Finance for small and medium-sized enterprises from commercial banks.The research method of this dissertation includes literature collection,theoretical analysis and case study.This study collects fairly sufficient data and various cases through multiple resources,providing a relatively comprehensive picture of the status of Inclusive Finance of small and medium-sized enterprises.Also,the case studies are used to explore how to improve the external supervision and internal innovation for long-term sound development of inclusive finance provided by commercial banks for small and medium-sized enterprises.In this way,the connotation and characteristics of the high-quality development of Inclusive Finance for small and medium-sized in commercial banks will be identified.In the following part of this research,a part of findings is going to be put into a field work in Jiangsu Branch of Bank of Communications to exam the rationality and practicability of the theoretical model of high quality development of commercial banks' Inclusive Finance for small and medium-sized enterprises that designed by this research in real world.The findings of this research contain two main aspects.Firstly,from the aspect of external supervision,it is necessary to establish a transactional environment with normative markets,sufficient demand,pluralistic subjects and transparent information to protect and facilitate the high-quality development of Inclusive Finance for small and medium-sized enterprises.Secondly,from the aspect of commercial banks,in order to realize the real significance of high-quality development of Inclusive Finance for small and medium-sized enterprises,the commercial banks need to enhance three capabilities,including identify as well as reduce risks,decrease operating costs and differentiate services.Over the long term,this dissertation holds that the high-quality development of Inclusive Finance for small and medium-sized enterprises is a systematic management rather than an isolated project.It is necessary to establish a complete series of financial services in the whole society.Based on the current literature framework,to some extent,this research enriches the field on the following aspects.Firstly,this research explores the innovative development of Inclusive Finance in the commercial banking system in order to define the demand of Inclusive Finance for small and medium-sized enterprises.Secondly,feasible proposals are put forward to create a healthy,compliant and transparent environment for developing Inclusive Finance.Finally,this paper provides directions for commercial banks to achieve the double win between fulfill the social responsibility of providing Inclusive Finance for small and medium-sized enterprises and make reasonable profit.In this way,the high-quality development of Commercial Banks' Inclusive Finance for small and medium-sized enterprises could be realized.