【作者】 谢冰；

【导师】 赵泽斌；

【作者基本信息】 哈尔滨工业大学 ， 工商管理硕士（专业学位）， 2022， 硕士

【摘要】 近年来,普惠金融成为深化金融体制改革,促进国民经济增长,推进商业银行服务实体经济的重要战略举措,在帮助小微企业解决融资问题、缩小城乡金融发展差距等方面做出了巨大贡献。作为发展普惠金融的践行者,商业银行应以国家政策为导向,充分利用普惠金融业务来达到提质增效的目的。目前,黑龙江省普惠金融市场逐步形成了以大型商业银行为主,各类金融机构竞争的多元化体系。普惠金融客群地域分布广,涉及行业多,需求差异化显著;近年来,利率市场化趋势日益明显,商业银行在普惠金融领域的利润空间逐渐减小,银行盈利能力下降;优质信贷资源逐步缩减,客户议价能力增强;外部监管政策日益严格,监管风险不断提高,风险管控工作压力加大。与此同时,政策红利的支持,区域性经济建设,智能化业务模式拓展,也给商业银行普惠金融业务的发展带来了战略机会。本文基于国内外普惠金融研究现状,以国有银行Z银行黑龙江省分行为研究对象,通过文献研究法、比较分析法、访谈法来对普惠金融业务的发展现状进行深入剖析,挖掘业务开展过程中所存在的问题及其影响因素,并结合Z银行黑龙江省分行的实际情况提出优化路径。通过研究发现,Z银行黑龙江省分行在普惠金融业务领域存在产品竞争力不足、市场占有率低、风险防控管理不足、缺乏专业人才队伍等问题。为有效解决上述问题,推动普惠金融业务可持续发展,本文提出了开展普惠金融业务的产品策略、市场策略、风险管理策略、人才培养策略以及相应的保障措施,从金融科技、政策共享、生态共建等多个维度出发来深化普惠金融业务的服务视野,抓住机遇,抢占市场,保证同业领先地位。更多还原

【Abstract】 In recent years,inclusive finance has become an important strategic measure to deepen the reform of the financial system,promote national economic growth.It also plays a significant role in resolving the financing difficulties of small and micro enterprises,alleviating the financial imbalance between urban and rural areas,and paying attention to the financial services of vulnerable groups.In China,commercial banks shoulder the important task of practicing inclusive finance development and implementing national policy orientation.Vigorously developing inclusive finance business has become one of the important tasks of improving quality and efficiency of commercial banks at the present stage.The inclusive financial market in Heilongjiang province has gradually formed a diversified system dominated by large commercial banks and competed by various financial institutions.Inclusive finance customer groups are widely distributed geographically,involving many industries,and their demands are significantly differentiated.With the continuous progress of interest rate liberalization,the profit margin of commercial banks in the field of inclusive finance gradually decreases,and the profitability of banks declines.External regulatory policies are increasingly strict,regulatory risks are constantly rising,and risk control work pressure is increasing.At the same time,the support of policy dividend,regional economic construction and intelligent business model expansion have also brought strategic opportunities for the development of inclusive finance business of commercial banks.Based on the research status of inclusive finance at home and abroad,taking state-owned bank Z Bank Heilongjiang Branch as the research object,this paper explores the existing problems and causes of its inclusive finance business development through literature research method,comparative analysis method and interview method,and puts forward the development strategies for the inclusive finance business of Z Bank Heilongjiang Branch in the future.Based on the factors affecting the development of inclusive finance business,it is found that the Heilongjiang Branch of Z Bank has some problems in the development of inclusive finance business,such as insufficient product competitiveness,low market share,insufficient risk prevention and control management,and lack of professional personnel.In order to effectively solve the above problems and promote the sustainable development of inclusive finance business of Z Bank Heilongjiang Branch,this paper puts forward product strategy,market strategy,risk management strategy,talent training strategy and corresponding safeguard measures for developing inclusive finance business,deepening the concept of inclusive financial services from the fields of fin-tech,policy sharing,ecological building to seize the market and ensure the industry leading position.更多还原