The Path Analysis Of Commercial Banks Developing Inclusive Finance

Under the situation that the state vigorously promotes the rural revitalization and the development of inclusive finance,large commercial banks such as state-owned banks and joint-stock banks have begun to sink the market.Relying on their own pricing and scale advantages,they have brought great impact on small and medium-sized banks,resulting in the loss of high-quality customers of small and medium-sized banks represented by urban commercial banks.Facing the severe external situation and fierce market competition,to search a suitable business model for their own development and explore a characteristic inclusive financial business development path is important.It will be of great theoretical and practical significance for improving the inclusive financial system,serving Rural Revitalization Strategy and promoting the high-quality development of banking industry.In this regard,this paper studies the development of inclusive financial business and the operational efficiency of Inclusive Finance in county areas of commercial banks by means of comparative analysis and empirical analysis.Taking QL bank as an example,this paper makes a SWOT analysis on the development path of Inclusive Finance in order to provide reference and ideas for commercial banks to develop Inclusive FinanceInnovation place mainly reflects in:firstly,based on the perspective of county finance,this paper studies the development of inclusive financial business in county area by commercial banks.Through comparative analysis and investigation and statistics,the development of Inclusive Finance in county areas can be judged more objectively.secondly,based on the perspective of Inclusive Finance,the concept of Inclusive Finance is incorporated into the analysis system of operational efficiency of commercial banks,and the balance variable of small loans is added to measure the operational efficiency of Inclusive Finance.Different from the previous profitability evaluation criteria of commercial banks,it focuses more on the impact of commercial banks’ investment in the field of Inclusive Finance on their operational efficiency.The structure of the paper is divided into six chapters.The first chapter is the introduction,which mainly introduces the research background and significance,research framework and main innovation points;The second chapter is the related theory and literature review,which summarizes the related theories and research situation of county and Inclusive Finance at home and abroad,and the related theory and research situation of bank operation efficiency evaluation;The third chapter is the comparative analysis of the development of Inclusive Finance of commercial banks.It makes a comparative analysis on the development of inclusive financial business of different commercial banks,and takes QL bank as an example to discuss;The fourth chapter is the empirical analysis of the operational efficiency of Inclusive Finance of commercial banks.Using DEA Malmquist model,this paper constructs the evaluation system of commercial banks’ operational efficiency from the perspective of Inclusive Finance,measures the total factor productivity of commercial banks to measure the high-quality development level of banking industry,and analyzes the operational efficiency of Inclusive Finance of QL bank;The fifth chapter is the analysis of the development path of Inclusive Finance of QL bank.Through the investigation on the development status and problems of Inclusive Finance in counties where the county branch of QL bank is located,through SWOT analysis,the path of Inclusive Finance Development of QL bank based on county is analyzed;The sixth chapter is the conclusion and countermeasures.Through the elaboration of the above chapters,the conclusion and countermeasures are drawn.