我国建设银行普惠金融业务发展研究

我国建设银行普惠金融业务发展研究摘要在2005年，联合国推广的国际小额信贷年中，普惠金融这一概念首次被提出，普惠金融业务的发展对一国经济发展具有深远的意义，所以普惠金融的概念一经提出，就得到了许多国家的重视和推广。我国很早就开始了普惠金融业务的推广和发展，我国建设银行积极响应国家号召和发展战略，将普惠金融确定为一个战略发展方向，并积极推出了一系列措施，并因此取得了不错的成绩。但是，普惠金融在我国建设银行的发展也面临着很多问题，这些问题的存在将直接影响到普惠金融业务在我国建设银行的发展，影响到银行的业绩。因此，针对这些问题的研究就显得尤为重要。通过对我国建设银行内部机制、农村地区普惠金融发展、小微企业普惠金融等三个方面的业务进行研究分析，发现我国建设银行的普惠金融业务存在自身服务体系不足，农村地区普惠金融业务不足，小微企业业务不足问题。通过对这些问题的研究，根据不同类型的问题提出相应的对策，对我国建设银行未来普惠金融业务的发展是具有深远意义的。我国建设银行应该积极采取措施，针对这些问题进行解决，完善内部机制，解决农村和小微企业面临的问题，加强我国建设银行普惠金融业务的发展。关键词：普惠金融；商业银行；中国建设银行Research and on the Development of Inclusive FinancialBusiness of China Construction BankAbstractIn 2005,when the United Nations promoted the International Year of Microfinance,itwas first proposed that financial inclusion is of far-reaching significance to a country'seconomic development.Therefore,since the concept of financial inclusion was proposed,it has been favored and promoted by many countries.China has started the development ofinclusive finance for a long time.China Construction Bank has actively responded to thecall of the state,identified inclusive finance as the strategic development direction,andlaunched a series of measures,and achieved good development results.However,thedevelopment of inclusive finance in China's CCB also faces many problems.The existenceof these problems will directly affect the development of inclusive finance business inChina's CCB and affect the performance of banks.Therefore,the research on theseproblems is particularly important.Through the research and analysis of the internalmechanism of China Construction Bank,inclusive financial development in rural areas andsmall and micro enterprises,it is found that the pratt Whitney financial business ofChina Construction Bank has aging bank internal mechanism,pratt Whitney financialbusiness type in rural areas is single,small and micro enterprise financing difficulties andother problems.Through the study of these problems and the correspondingcountermeasures according to different types of problems,it is of far-reaching significanceto the future development of inclusive finance business of China's Construction Bankshould actively take measures to solve these problems,improve the internal mechanism,solve the problems faced by rural areas and small and micro enterprises,and strengthen thedevelopment of inclusive finance.Key Words:Inclusive Finance;Commercial Bank;China Construction BankII目录摘要-.....Abstract.、绪论(一)研究背景(二)研究目的及意义…(三)研究思路与研究内容2(四)研究方法与创新之处.21.研究方法…2.创新点.3二、理论基础与文献综述4(一)普惠金融的含义4(二)普惠金融业务的文献综述.5(三)商业银行发展普惠金融的现实意义6三、我国建设银行普惠金融业务发展现状..8(一)我国建设银行普惠金融发展历程……8(二)当前我国建设银行普惠金融业务发展现状8四、当前我国建设银行普惠金融业务存在的问题……10(一)我国建设银行自身服务体系存在不足.101.运营理念难以改变：102.普惠金融业务专业人才缺失…103.银行不良资产增多.1们(二)我国建设银行农村普惠金融业务发展不足.121.农村地区普惠金融业务服务力量不足…122.农村地区普惠金融业务产品同质化严重….133.农村地区普惠金融监管不足，金融风险高…13(三)我国建设银行小微企业业务发展存在问题.141.小微企业融资难142.小微企业面临较高的信贷风险.…153.小微企业多元化发展需求无法得到满足..15五、针对我国建设银行普惠金融业务存在问题的对策16(一)健全银行内部普惠金融服务体系...16III1.树立新的发展理念…162.培养普惠金融专业人才…163.合理的把控风险，控制不良贷款比例16(二)加大农村地区普惠金融发展力度…171.加大农村地区普