我国大型商业银行开展普惠金融业务的SWOT分析

SWOT Analysis of Inclusive Finance Business Carried Out By Large Commercial Banks in China

普惠金融的发展有利于服务实体经济,有利于提高三农、小微企业及偏远地区的金融可获得性,能促进金融的稳定及经济的发展。而普惠金融的顺利推进,离不开商业银行特别是大型商业银行的参与。因此,通过对我国大型商业银行开展普惠金融业务的内外部环境进行分析,明确大型商业银行开展普惠金融业务的自身优势、劣势以及面临的机遇和挑战,从客户定位、组织结构、国家政策、手机利用方面提出建议,促进普惠金融的可持续发展。

The development of inclusive finance is conducive to serving the real economy.It will be propitious to improve the financial availability of agriculture,rural areas and farmers,the small and micro enterprise and remote areas,and promote financial stability and economic development.The smooth progress of inclusive finance cannot be achieved without the participation of commercial banks,especially large commercial banks.Therefore,based on the large commercial banks in China to carry out the inclusive financial business,the paper analyses the internal and external environment.It help large commercial banks to identify the advantages,disadvantages,opportunities and challenges of carrying out the inclusive financial business.From the customer orientation,organizational structure,the national policy and cell phone use,some proposal can put forward to promote the sustainable development of inclusive financial.