MBA教育中心知识库

普惠金融一直是金融行业争相探讨的热点话题，虽然我国普惠金融发展较晚，但近些年普惠金融在我国发展势头迅猛。在发展快速的同时，也存在着一定问题，目前普惠金融在我国东西部地区发展不均衡，且普惠金融覆盖面不全，很多金融机构一味的倡导及开展普惠金融业务，但却未能真正的将普惠金融融入到老百姓的生活中去。

工商银行作为大型国有银行，在普惠金融事业上一直处于先驱地位。本文以工商银行兰州分行为重点研究对象，首先对兰州市的普惠金融发展环境做了调研，其次通过对工商银行近年来的发展情况、经营模式进行分析，结合对兰州市场环境及普惠金融产品情况的探讨，进而梳理了工行兰州分行发展普惠金融存在的问题，并有针对性地提出工行兰州分行普惠金融地对策建议。本文从七个方面的提出了相应地改进建议：一是工行兰州分行应制定完善的普惠金融发展计划；二是做好细分市场规划工作；三是开启多方合作及后台系统支持工作；四是全面提升工行兰州分行普惠金融客户体验；五是完备人才储备培养；六是建立完整的风险控制体系；七是创建工行兰州分行普惠金融发展过程的反馈与优化机制。立足于进一步提升工商银行的市场竞争力，完善普惠金融产品体系及发展对策，更好的为本区域小微企业主服务的目的。也希望通过本系统金融机构对普惠金融业务的创新及发展，使普惠金融成为更加健全、覆盖更广的金融体系，让偏远落后地区也能更加便利地使用金融产品，逐渐缩小贫富差距，让有需求的群体都能享受到更优金融服务，使普惠金融更好地助力共同富裕。

Inclusive finance has always been a hot topic in the financial industry, although the development of inclusive finance in China is relatively late, but in recent years, inclusive finance has developed rapidly in China. At the same time of rapid development, there are also certain problems, the current development of inclusive finance in China's eastern and western regions is uneven, and the coverage of inclusive finance is incomplete, many financial institutions blindly advocate and carry out inclusive financial business, but failed to truly integrate inclusive finance into the lives of the people.

As a large state-owned bank, ICBC has always been in a pioneering position in the cause of inclusive finance. This paper takes ICBC Lanzhou Branch as the key research object, first of all, the inclusive financial development environment of Lanzhou Isaac is investigated, and secondly, through the analysis of the development situation and business model of ICBC in recent years, combined with the discussion of Lanzhou market environment and inclusive financial products, the problems existing in the development of inclusive finance of ICBC Lanzhou Branch are sorted out, and the countermeasures for inclusive finance of ICBC Lanzhou Branch are proposed in a targeted manner. The author puts forward corresponding improvement suggestions from seven aspects: first, ICBC Lanzhou Branch should formulate a sound inclusive financial development plan; second, do a good job in market segment planning; third, open multi-party cooperation and back-end system support; fourth, comprehensively improve the inclusive financial customer experience of ICBC Lanzhou Branch; fifth, complete talent reserve training; sixth, establish a complete risk control system; and seventh, create a feedback and optimization mechanism for the inclusive financial development process of ICBC Lanzhou Branch. This paper is based on the purpose of further enhancing the market competitiveness of ICBC, improving the inclusive financial product system and development model, and better serving small and micro business owners in the region. It is also hoped that through the innovation and development of inclusive financial services by financial institutions in this system, inclusive finance will become a more sound and widely covered financial system, so that remote and backward areas can also use financial products more conveniently, gradually narrow the gap between rich and poor, so that groups in need can enjoy better financial services, and inclusive finance can better contribute to common prosperity.