我国商业银行普惠金融业务发展研究_

我国商业银行普惠金融业务发展研究摘要在我国经济快速发展的今天，如何让所有人都能享受到公平、公正的金融服务，关键是要进一步发展普惠金融。随着人们对网络的快速需求，利用网络开展普惠金融服务已成为商业银行可持续发展的一种重要手段。当前，我国的商业银行正借助网络金融技术，与网络金融机构进行合作，大力发展普惠金融服务。本文在借鉴国内外相关文献和研究成果的基础上，结合当前商业银行的实际情况，提出了在普惠金融领域开展普惠金融的必要性。其次，本文运用文献法、理论和实践相结合的方法，对我国商业银行开展普惠金融服务的现状进行了探讨。本文以中国建行的典型案例为例，对当前我国商业银行利用网络技术开展普惠金融服务的缺陷进行了分析。最后提出增强普惠金融服务内生动力，实现商业持续性、构建“互联网+”风险控制体系，规避金融风险、加强数据化平台整合，助推商业银行业务转型以及创新信贷产品等方面来促进商业银行普惠金融业务的发展。本文研究目的在于分析如何通过互联网更好的推动商业银行普惠金融业务发展，并且可以使商业银行普惠金融业务惠及到每一个人提供对策和建议。关键词：互联网：普惠金融；商业银行普惠金融业务-I-Research on the development of inclusive financial business ofcommercial banks in ChinaAbstractWith the rapid development of China's economy,the key to how to make everyoneenjoy fair and just financial services is to further develop Inclusive Finance.With the rapiddemand for the Internet,using the Internet to carry out inclusive financial services hasbecome an important means for the sustainable development of commercial banks.Atpresent,China's commercial banks are cooperating with online financial institutions withthe help of online financial technology to vigorously develop inclusive financial services.Based on the relevant literature and research results at home and abroad,combined withthe actual situation of current commercial banks,this paper puts forward the necessity ofdeveloping Inclusive Finance in the field of Inclusive Finance.Secondly,this paperdiscusses the current situation of inclusive financial services in China's commercial banksby using the method of literature,theory and practice.Taking the typical case of ChinaConstruction Bank as an example,this paper analyzes the defects of China's commercialbanks using network technology to carry out inclusive financial services.Finally,itproposes to enhance the endogenous power of inclusive financial services,achievebusiness sustainability,build an "Internet +risk control system,avoid financial risks,strengthen the integration of data platforms,boost the business transformation ofcommercial banks and innovate credit products to promote the development of inclusivefinancial services of commercial banks.The purpose of this paper is to analyze how tobetter promote the development of inclusive financial business of commercial banksthrough the Internet,and make the inclusive financial business of commercial banksbenefit everyone,and provide countermeasures and suggestions.Key Words:Internet Financial inclusion:Inclusive financial services of commercialbanksII-目录摘要..........Abstract...…II引言…1一、理论基础与文献综述..·2(一)普惠金融的概念及特点21.普惠金融的概念2.普惠金融的特点......2(二)相关理论基础..31.金融排斥理论..32.信息不对称理论....3(三)文献综述...3二、我国商业银行普惠金融业务发展分析..5(一)具体政策情况.......5(二)具体实际业务量情况.S(三)我国商业银行具体实践情况.......5三、我国商业银行发展普惠金融业务的重要性…7(一)发展普惠金融业务，可以降低商业银行的信贷风险…7(二)发展普惠金融业务，可以降低商业银行的违约风险·(三)发展普惠金融业务，可以分散商业银行的经营风险...7四、商业银行普惠金融业务的案例分析-以中国建设银行为例.··9(一)中国建设银行普惠金融业务发展概况......·.·.....9(二)“互联网+”模式下中国建设银行普惠金融业务发展的情况·9(三)中国建设银行辽宁分行普惠金融业务发展成就…101.小微企业信贷投放量增加明显................102.小微企业信贷发展速度显著提升...·11五、我国商业银行普惠业务存在的问题....…12(一)服务内在动力不足，持续性发展面临挑战.…12(二)商业创新混乱，需要关注安全问题....12