Inclusive Finance Of Local Commercial Banks Supports Small And Micro Businesses Research

The concept of financial inclusion was first proposed by the United Nations in 2005.Its core concept is to provide services at reasonable cost to people of all social strata who have financial needs.The core target groups are the urban low-income population,farmers,small and micro enterprises and other vulnerable groups.Since the introduction of inclusive finance,the Party and The State Council have attached great importance to the introduction of a series of policies to vigorously promote its development.At present,the development of inclusive finance in China has achieved remarkable results and also has a certain influence in the financial market.Micro enterprises occupy up to 90% proportion in our country,its development has an important role in improving people’s livelihood,promoting employment and promoting national economic development,has been one of the important pillars to assist our country’s economic development.But small micro enterprise financing difficulties,financing expensive has always been the main reason for restricting its development,inclusive financial can effectively improve the situation,the development of small micro enterprise is the main object,inclusive financial services by for small micro enterprise financial development to provide sufficient funds safeguard,the comprehensive financial service,boost the sustainable development of small enterprises.As the main body in practice of inclusive finance,how to inject new vitality into the development of Chinese socialist market economy through the development of inclusive finance,solve the difficulty of small and micro enterprises financing,and finally promote our economic development in an all-round way is an urgent problem for commercial banks to think about.In this context,this paper takes JS Bank,a local commercial bank,as a case study to understand the development background of the inclusive financial business of the bank,the current situation of the service of small and micro enterprises and the existing problems in the development,in-depth analysis of the problems,and finally put forward the corresponding measures to solve the problems.Based on the analysis to get a summary of current main problems of JS bank inclusive financial development can be summarized as the following: support small micro enterprises policy propaganda work does not reach the designated position,small micro enterprise credit rating system flexible interoperability is not strong,the local Banks to develop large limitations and internal assessment mechanism is not sound,the government supervision mechanism is not sound,financial products,such as not enough;And deeply analyze the causes of the problem,put forward the corresponding countermeasures to solve the problem,the concrete can be summarized as JS bank to speed up the product/service innovation,and improve the inclusive financial availability and use of financial and technological achievements,promote the inclusive digital financial development,strengthening the allocation of resources,optimize the evaluation incentive,activate inclusive finance,etc.Through the research of JS Bank inclusive finance to support the development of small and micro enterprises,enhance the service capacity of local commercial banks financial institutions,solve the trouble of small and micro enterprises in financing,promote the good and fast development of small and micro enterprises.