Research On Development Strategy Of Micro Loan Service For Y Rural Commercial Bank Under The Background Of Inclusive Finance

Y Rural Commercial Bank was developed from the restructuring of rural credit cooperatives.After its establishment,it has always adhered to the development principle of serving "agriculture,rural areas and farmers",provided support for the development of small and medium-sized enterprises,promoted the progress of local economy,and actively fulfilled its social responsibilities to promote rural revitalization.Y Rural Commercial Bank vigorously develops micro-credit business,implements community-based operation,sends "loans" to the door,creates greater development space for small and medium-sized enterprises,provides various financing methods for individual businesses,saves financing costs,takes the improvement of micro-credit quality as its own goal,updates the guarantee methods,and meets the credit needs of small and medium-sized business owners and individual businesses.However,in the context of the national inclusive financial policy in recent years,large state-owned equity banks have continued to sink services and seize the micro-loan business market.The development of the micro-loan business of Y Agricultural Commercial Bank has encountered difficulties,the existing customer churn rate has been rising,the expansion of the micro-loan scale has encountered bottlenecks,and the operating pressure has been increasing.This paper introduces the basic situation and the development of micro-loan business of Agricultural Commercial Bank Y,analyzes and summarizes the current problems of the development of micro-loan business of Agricultural Commercial Bank Y under the background of inclusive finance: the development strategy of micro-loan business is not clear;High cost hinders sustainable development;The incentive and restraint mechanism is not perfect;The supporting mechanism is not perfect.On the basis of financial theory,economic theory and marketing management theory,the PEST method is applied to explore the development environment of Y Agricultural Commercial Bank’s micro-loan business,mainly focusing on the external environment,discussing the national policy support and the improvement of consumers’ own financial literacy,and taking Porter’s Five Forces Model as the research basis,the overall industry environment of Y Agricultural Commercial Bank’s micro-loan business at the current stage is targeted analyzed.Through in-depth analysis of the internal environment of the enterprise,analysis of the enterprise’s resources,capabilities and core competitiveness,and further use the SWOT analysis method to find out the advantages and disadvantages,challenges and development opportunities of Y Rural Commercial Bank’s micro-credit business.Therefore,it is necessary to apply the SO development strategy,give full play to the existing advantages,and better control the support of the inclusive financial policy for micro-credit business in the current context.Select differentiation strategy through market research and analysis.In order to ensure the implementation of the measures,a series of targeted security measures have been put forward,such as improving the corporate governance structure,strengthening the financial technology support,cultivating and motivating talents,strengthening the construction of supporting mechanism and strengthening the construction of credit culture,so as to enhance the competitiveness of micro-credit business and realize the sustainable development of micro-credit business.