Research On The Development Strategy Of Inclusive Financial Business Of China Construction Bank X Branch

With the rapid development of national economy and society,the role of finance is becoming more and more important.People pay more and more attention to the availability and fairness of financial products and services.Equal access to financial services has become people’s basic right.In this context,the United Nations formally put forward the concept of "Inclusive Finance" in 2005,that is,to promote the sustainable development of the financial industry and promote social equity and harmony by continuously improving the availability and popularity of financial services.Since then,inclusive finance has received positive responses from all countries.Both developed and developing countries have been continuously committed to improving the availability and coverage of financial services and financial products in recent years.In China,commercial banks,as the main institutions practicing Inclusive Finance,vigorously promote the development of Inclusive Finance business,which is not only conducive to better promote the healthy development of banking business,but also to better alleviate the problems of agriculture,rural areas and farmers and the financing difficulties of low-income groups,so as to promote public entrepreneurship and innovation and eliminate poverty,but also contribute to the development of regional social economy and the justice and harmony of the whole society.This paper takes the development of inclusive financial business of commercial banks as the research object.Firstly,using the method of literature analysis,this paper collects and sorts out the existing domestic and foreign scholars’ relevant research theories on Inclusive Finance,and takes the combination strategy theory,financial innovation theory,SWOT analysis theory and other financial concepts as the theoretical support to lay a theoretical foundation for the follow-up research;Secondly,using the method of combining case analysis and questionnaire survey,this paper selects x branch of China Construction Bank as a typical case,investigates and analyzes the current situation of the inclusive financial business development strategy of X branch,and summarizes a series of problems existing in the business development strategy;Finally,combined with the actual operation situation of CCB x branch,this paper puts forward the strategy formulation and safeguard measures conducive to the development of inclusive financial business of the bank.The specific strategy is to put forward corresponding development strategies from the six aspects of inclusive financial product system,price mechanism,market channel,human resources,business segmentation and risk prevention and control.The safeguard measures are through the implementation of effective organizational guarantee,technical guarantee Financial guarantee and human resource guarantee to ensure the smooth implementation of various development strategies.