Research On The Impact Of ZX Bank’s Inclusive Financial Digital Transformation On Business Performance

ZX Bank’s inclusive financial digital transformation is an inevitable choice in the current wave of financial digital.High-quality development of inclusive finance and digital finance is the strategic deployment of the Party Central Committee,actively implementing the policy requirements of the People’s Bank of China,the Banking and Insurance Regulatory Bureau and other regulatory agencies.ZX Bank has raised the development of digital inclusive financial business to a strategic height.Can the inclusive finance business seize the opportunity of digital development,enable the technology to output,and whether the transformation can break the bottleneck of the traditional mode of small and micro enterprise loan business of commercial banks,so as to realize the reduction of the inclusive finance loan cost and the rapid growth of the loan scale and customer base under the condition of controllable risk?Based on this,this paper studies the path and effect of ZX Bank’s inclusive financial digital transformation on its performance.From the perspective of conserving market vitality and reserving kinetic energy,ZX Bank has raised the digital transformation of inclusive finance to the strategic height of the whole bank.After nearly five years of storage and construction,it is now in a new stage of the superposition of four waves of informatization,mobility,openness and intelligence.Through the digital product R&D system and ecological scenario-based construction,a standardized product system covering different scenarios of chain,housing,government and tax has been built to improve the digital marketing ability,so as to achieve the rapid increase of small and micro enterprises’ batch customer acquisition and loan business,and consolidate the foundation of ZX Bank’s corporate customers;Through the two-wheel drive of financial technology and data utilization capability,"platform+model+data",mobile approval,and intelligent platform "AI+data" promote digital services,and provide online,autonomous,self-service,and intelligent convenient and efficient services for small and micro enterprise customers;Through the construction of a comprehensive risk management smart platform,the integration of pre-loan automated intelligent approval,in-loan intelligent loan fund monitoring,and post-loan intelligent early warning will realize digital risk control and reduce the credit risk,moral risk,operational risk,and compliance risk of small and micro enterprises faced by banks,so as to achieve high-quality and sustainable development of inclusive financial business under the condition of controllable risk.The study found that the Digital transformation of inclusive finance affected performance indicators through the qualitative change path of digital marketing model,digital business process and risk control operation model.Through the innovation of inclusive financial products,the aggregation and construction of ecological scenarios,the multi-scenario standardized product system,and the subversive change of the logic of the risk control model,improve the efficiency,workload and quality of the risk control,reduce the loan cost of small and micro enterprises,and solve or effectively alleviate many bottlenecks in the development of the traditional model of inclusive financial of commercial banks;Through the comparative analysis method,it is found that the loan scale and customer group construction of inclusive finance have increased rapidly,the loan interest rate has decreased year by year,and the non-performing loan rate has remained at a relatively low level,realizing the healthy and sustainable development of inclusive finance under the control of risk,and helping to solve the problem of financing difficulty and high cost of small and micro enterprises.