Reserch On State-owend Commercial Bank Inclusive Finance Development Status And Optimization Strategy

At present,the main contradiction of China’s society has been transformed into the contradiction between people’s growing need for a better life and unbalanced and insufficient development,the difficulty and high cost of financing for small and micro enterprises is a concentrated reflection of the main contradiction in the financial field.Although the government strongly supports the development of small and micro enterprises,the financial needs of small and micro enterprises are still difficult to be fully met.To this end,this paper uses a variety of research methods,and studies the current situation and optimization strategies of inclusive finance development of state-owned commercial banks based on Macmillan gap theory and Asymmetric information theory.The government strongly promoted the development of state-owned commercial bank inclusive finance to support small and micro enterprises in recent years,good results have been achieved in recent years in terms of loan scale,number of customers,asset quality and financing cost.But from the perspective of government,state-owned commercial banks,small and micro enterprises,the problem of policy implementation,the sustainable development path of inclusive finance of state-owned commercial banks still need to be further explored,difficult and expensive financing still exists from the actual feelings of small and micro enterprises.There are many reasons for the problem,besides the fact that the management level of small and micro enterprises is difficult to meet the bank access requirements,the imperfect government mechanism,the lack of policy implementation,the reluctance of banks to do inclusive finance due to risk avoidance and profit pursuit,the inadequate social credit system,the information asymmetry between banks and enterprises,the need to improve the internal safeguard mechanism and risk management capacity of banks are also important factors of the problems in the development of inclusive finance.Based on the relevant research,specific suggestions put forward,concluding that the development of inclusive finance requires multiple measures,including the need for state-owned commercial banks to improve their management capabilities and service levels,increase their support for micro and small enterprises,as well as the need for micro and small enterprises to regulate their management,operate in good faith,also requires the government departments to play a leading role in strengthening policy support and building credit information infrastructure for the whole society,building a good financial ecosystem.Studying the development of inclusive finance of state-owned commercial banks is not only beneficial to the implementation of the national strategy and the quality of inclusive financial services,but also conducive to the transformation of China’s economy.It is hoped that the analysis and suggestions in this paper can effectively enhance inclusive financial service capacity of state-owned commercial banks,effectively improve the financing environment for small and micro enterprises,and help the development of small and micro enterprises and China’s economy.