Research On The Digital Transformation Of Inclusive Finance In Commercial Bank

The global digital wave is deeply affecting traditional financial institutions such as commercial banks,subverting their traditional business and business models,bringing new opportunities and challenges to the transformation and development of commercial banks,and forcing commercial banks to start digital transformation.The digital transformation of inclusive finance is a key application area of the digital transformation of commercial banks.The digital transformation of inclusive finance is to rely on emerging digital technologies to alleviate financial exclusion,improve the coverage and availability of financial services,enable financial services to more accurately reach vulnerable groups such as small,medium and micro enterprises,and help the development of the real economy.How commercial banks use emerging digital technologies to promote the practice of digital transformation of inclusive finance,improve the quality and efficiency of inclusive finance services,and achieve sustainable commercial development of inclusive finance is the focus of this thesis.This thesis takes the practice of digital transformation of inclusive finance of commercial banks as the research object.Firstly,it analyzes the necessity,opportunity,status quo and problems in the process of digital transformation of inclusive finance of commercial banks.Secondly,it takes China Minsheng Bank as an example to make a specific analysis,and expounds the development process of inclusive finance of China Minsheng Bank.At the same time,it summarizes the practice and question of digital transformation of inclusive finance of China Minsheng Bank,and analyzes the shortcomings and summarizes the experience and enlightenment.Finally,combined with the current situation and problems of the digital transformation of inclusive finance in China’s commercial banks and the enlightenment from the experience of the digital transformation of inclusive finance in China Minsheng Bank,the thesis puts forward targeted transformation suggestions.First,we should speed up the layout of fintech,consolidate the basic capacity construction of fintech,increase the investment in fintech resources and expand the fintech talent team.Second,effectively integrate data resources and strengthen the ability to support big data;Strengthen data governance to ensure data security.Third,accelerate the innovation of inclusive financial service mode,strengthen the construction of scene finance and open ecosystem,and realize more online and scene oriented service channels and more platform and open business mode.Fourth,use new technologies to reshape the risk control model,establish an intelligent risk control system integrated with the whole process,and promote the digitalization of small and micro credit risk management.