| At present,China’s economy is in a critical period of recovery.Market players should accelerate innovation,improve the quality of supply products and promote mass consumption to provide impetus for high-quality economic development through supply-side reform.In this context,financial support is particularly important,and the development of digital inclusive finance business is recognized by the public to expand the coverage of services,reduce borrowing costs and improve service efficiency.Our country is still in the primary stage of socialism,development is still our main focus.Consumption as one of the three carriages driving economy,its role is huge,but the potential is not yet fully tapped.To this end,the national policies constantly favor poor areas and micro,small and medium-sized enterprises,and advocate that the banking industry should practice digital inclusive financial services,so as to realize the "willingness to lend" and "ability to lend" in poor areas,poor population and micro,small and medium-sized enterprises with difficulty in obtaining financing.Since its inception,We Bank has given top priority to scientific research and innovated the micro-business loan business,which is dedicated to providing loans for micro,small and medium-sized enterprises.This business has won many awards in the field of international digital inclusive finance.With low cost,high efficiency and wide coverage,We Bank has revitalized the vitality of consumption,production and investment.Raise the gross national product,increase the national income,alleviate the income imbalance between urban and rural residents.Firstly,this paper makes an in-depth analysis of the development advantages of micro-commercial loan business,and uses literature research method and case analysis method as research methods to introduce micro-commercial loan business of micro-commercial bank in detail from the operation situation and development path.Secondly,through the analysis of policy trends,financial indicators and relevant data,it can be seen that the development of micro-loan business can provide financial impetus and innovative ideas for itself.It can help small and medium-sized enterprises solve financing problems and promote the development of digital inclusive finance in our country.Finally,we draw the industry enlightenment of Webank in carrying out micro-business loan business: that is,to develop digital inclusive finance business,the banking industry should strengthen internal control and reduce inter-bank liabilities;Actively expand the application scenarios,expand the coverage of micro-industry loan business;Innovate products and services,establish dislocation competition;Build a whole-process risk control mechanism to prevent new data risks.It is hoped that the above analysis can provide reference for the banking industry to develop digital inclusive financial services. |
