Research On The Efficiency Evaluation And Improvement Of Inclusive Finance Business Of ICBC G Branc

With the increasing status of inclusive financial business in China’s financial industry and the increasing attention of national policies,banking financial institutions have also followed the policy guidance and vigorously developed their own inclusive business and competed to seize the market share of inclusive business.At the same time,due to the continuous strengthening of financial innovation capabilities,more and more non-bank institutions have also joined the competition in the inclusive financial market,which has led to great challenges in the business development of banking financial institutions.In order to better study the development of inclusive financial business of ICBC G Branch,this paper quantitatively evaluates the efficiency of inclusive financial business and its influencing factors,in order to put forward some opinions and suggestions for the improvement of inclusive financial business efficiency of ICBC G Branch,which can also provide some new ideas for other similar financial institutions when exploring the development path of inclusive financial business.Based on the research of many previous learned man,this paper evaluates and analyzes the efficiency of inclusive financial business of ICBC G Branch and the factors affecting this efficiency.First,summarize the relevant data of the inclusive business of ICBC G Branch to illustrate the business development of ICBC G Branch.Second,through the three-stage DEA model and the measurement of Malmquist index,the efficiency of inclusive financial business of ICBC G Branch is evaluated,and it can be seen from the empirical evidence that from 2016 to 2021,the efficiency and return to scale of ICBC G Branch were in an increasing state,but the efficiency value varied greatly between regional branches.Technological progress is the main driving force for ICBC G Branch’s Financial Inclusion Efficiency Malmquist Index to continue to increase.Third,based on the above empirical analysis,the Tobit model is used to explore the factors affecting the efficiency of inclusive financial business of ICBC G Branch.Finally,combined with the empirical conclusions of the Tobit model,suggestions are put forward to improve the financial inclusion efficiency of ICBC G Branch.