Research On The Optimization Strategy Of Inclusive Finance Business Of A Provincial Rural Commercial Bank Under The Background Of Rural Revitalization

Developing inclusive finance is a major strategy proposed by the Party Central Committee and the State Council,which has great and far-reaching significance for promoting economic and social development.The report of the 20th CPC National Congress states that the hardest task of building a modern socialist county is still in the countryside.In 2022,the Central Deepening Reform Commission deliberated and adopted the “Implementation Opinions on Promoting the High Quality Development of Inclusive Finance”,which puts forward higher requirements for financial institution to develop rural inclusive finance business under the new situation.As a major financial force serving rural areas and practicing finance inclusive,rural commercial bank always adheres to its market positioning of supporting agriculture and small businesses,deeply implements the concept of inclusive finance,which has made important contributions to the agricultural and rural development.However,in recent years,due to factors such as declining competition of major banks and insufficient service levels,the expansion of rural commercial bank’s inclusive finance business has been restricted,and their high quality development also faces significant challenges.Based on this,this thesis combines the general background of comprehensively promoting rural revitalization,selects A provincial rural commercial bank as the research object.Guided by financial exclusion theory,this thesis comprehensively uses literature analysis,comparative analysis and other commonly used analysis methods,which deeply elaborates on rural revitalization and its main content,the basic theory of rural inclusive finance,and the relationship between inclusive finance and rural revitalization.And also,the development status quo,existing problems and causes of inclusive finance business of A provincial rural commercial bank are analyzed in depth.Thus,this thesis puts forward targeted optimization strategies of inclusive finance business,so as to provide reference for A provincial commercial bank to achieve high-quality and sustainable development of inclusive finance business under the new situation.First,this thesis describes the research background and significance,reviews the research results of domestic and foreign scholars on inclusive finance,and then introduces relevant concepts and theories.Secondly,this thesis expounds the development status of inclusive finance business of A provincial rural commercial bank,points out that there are still four problems at present,including unbalanced supply and demand of rural inclusive finance,inadequate suitability of credit products,business sustainability needs to be improved,and insufficient penetration of inclusive finance business.Through in-depth analysis of the reasons behind the above problems,this thesis finds that there are four factors,including imperfect system and mechanism,inadequate scientific and technological innovation capability,unsound risk control system,and weak external environment.Finally,in combination with the local development reality,this thesis puts forward optimization strategies from four aspects,including strengthen the guarantee of agricultural support service mechanism,improve the level of inclusive finance services in rural areas enabled by science and technology,enhance the ability to prevent and resolve risks in agriculture-related fields,and consolidate the development foundation of rural inclusive finance business.