MBA教育中心知识库

The characteristics of "ignoring the poor and loving the rich" in the financial industry and "rational man" in the financial institutions lead to serious imbalance in the development of China's financial system. Compared with the developed areas in the east, the financial development in the poor areas in the west is slow, and a large number of small and medium-sized enterprises and poor groups are excluded from the financial system and cannot enjoy financial rights on an equal basis. Our country is in a consolidation expand poverty alleviation achievements, promote the reform of economic supply side and the key stage of implementing rural revitalization strategy, pratt &whitney financial as promoting financial resources for the social vulnerable groups to provide the important fulcrum of sustainable services, to reduce poverty, service the real economy, promote the harmonious development of society has the important and realistic significance.

Based on a large number of domestic and foreign research literature on inclusive finance, this paper studies the development strategy of inclusive finance of Minqin Rural Commercial Bank by SWOT analysis and interview analysis, based on theories such as financial development theory, financial exclusion theory, inclusive growth theory and evaluation index system of inclusive finance. First of all, the paper introduces the basic situation of Minqin Rural Commercial Bank and the development status of inclusive finance. Secondly, the SWOT analysis method is used to elaborate the strengths, weaknesses, opportunities and challenges of the development of inclusive finance business of Minqin Rural Commercial Bank, and the SWOT matrix model is obtained. The analysis shows that the financial institution has problems such as deteriorating asset quality, unreasonable business structure, weak internal control, uneven quality of staff, insufficient scientific and technological innovation ability and poor social environment. The situation of internal troubles and external challenges leads to prominent bottleneck problems of inclusive finance and numerous difficulties in sustainable development. Finally, suggestions for the development of inclusive finance of Minqin Rural Commercial Bank are given from three aspects: mining demand, expanding supply and building a good external environment for inclusive finance. First, optimize the industrial structure, strengthen the popularization of inclusive finance knowledge and protect the rights and interests of consumers. Second, improve corporate governance, adjust credit structure, steadily carry out digital financial innovation, strengthen risk control capacity construction and strengthen the quality of staff; Third, actively strive for policy support, strive to obtain the support of regulatory authorities, and work together to create an honest and trustworthy social environment.

It is hoped that the research of this paper can effectively reduce poverty in western rural areas and promote harmonious economic and social development, and at the same time, find new profit growth points for Minqin Rural Commercial Bank to achieve sustainable development, and provide reference for other enterprises to solve similar problems.