Research On The Impact Of Inclusive Finance On Commercial Bank Performanc

Inclusive finance helps to eliminate the imbalance of financial resources,promote the effective and rational distribution of social resources,study the impact of inclusive finance on the performance of commercial banks,how to solve the potential incentive effect on the performance of commercial banks,release their potential kinetic energy in inclusive finance and other issues worthy of our series of research.In view of this,this paper starts with the research status quo of inclusive finance,further explains the theory and role path of inclusive finance on the performance of commercial banks,and constructs the system of inclusive financial development index system of commercial banks in China,analyzes the relationship between inclusive finance and commercial bank performance by using the relevant quantitative model,and finally puts forward relevant policy suggestions.The following conclusions are mainly drawn:First of all,from the theoretical basis,the performance of commercial banks should be widely defined from the perspective of individual bank efficiency,sustainable development ability of banks and stability of the overall financial system;At the same time,China’s inclusive finance as a whole presents the decreasing spatial distribution characteristics from east to west,and the development gap between provinces is large.In the development of inclusive financial business of large state-owned banks,the differentiated development of each bank has achieved good results.Finally,from the empirical analysis,China’s bank inclusive financial business shows a rapid development trend,whether it is to improve the inclusive financial index or to increase the total amount of loans issued to inclusive micro-enterprises to promote the performance of banks.Big banks face more prominent information asymmetries.Inclusive financial services for large banks are more expensive and regulators are more stringent in regulating large banks.In view of this,local governments should promote inclusive financial development with high quality,innovate financial products and services,optimize the service system,and actively build inclusive financial ecosystem,attach importance to financial risk prevention,strengthen credit risk management,optimize network performance distribution,and train talent system.