我国建设银行普惠金融业务发展研究ResearchontheDevelopmentofInclusiveFinancialBusinessofChinaConstructionBank摘要在2005年，联合国推广的国际小额信贷年中，普惠金融这一概念首次被提出，普惠金融业务的发展对一国经济发展具有深远的意义，所以普惠金融的概念一经提出，就得到了许多国家的重视和推广。我国很早就开始了普惠金融业务的推广和发展，我国建设银行积极响应国家号召和发展战略，将普惠金融确定为一个战略发展方向，并积极推出了一系列措施，并因此取得了不错的成绩。但是，普惠金融在我国建设银行的发展也面临着很多问题，这些问题的存在将直接影响到普惠金融业务在我国建设银行的发展，影响到银行的业绩。因此，针对这些问题的研究就显得尤为重要。通过对我国建设银行内部机制、农村地区普惠金融发展、小微企业普惠金融等三个方面的业务进行研究分析，发现我国建设银行的普惠金融业务存在自身服务体系不足，农村地区普惠金融业务不足，小微企业业务不足问题。通过对这些问题的研究，根据不同类型的问题提出相应的对策，对我国建设银行未来普惠金融业务的发展是具有深远意义的。我国建设银行应该积极采取措施，针对这些问题进行解决，完善内部机制，解决农村和小微企业面临的问题，加强我国建设银行普惠金融业务的发展。关键词：普惠金融；商业银行；中国建设银行ResearchandontheDevelopmentofInclusiveFinancialBusinessofChinaConstructionBankAbstractIn2005,whentheUnitedNationspromotedtheInternationalYearofMicrofinance,itwasfirstproposedthatfinancialinclusionisoffar-reachingsignificancetoacountry'seconomicdevelopment.Therefore,sincetheconceptoffinancialinclusionwasproposed,ithasbeenfavoredandpromotedbymanycountries.Chinahasstartedthedevelopmentofinclusivefinanceforalongtime.ChinaConstructionBankhasactivelyrespondedtothecallofthestate,identifiedinclusivefinanceasthestrategicdevelopmentdirection,andlaunchedaseriesofmeasures,andachievedgooddevelopmentresults.However,thedevelopmentofinclusivefinanceinChina'sCCBalsofacesmanyproblems.TheexistenceoftheseproblemswilldirectlyaffectthedevelopmentofinclusivefinancebusinessinChina'sCCBandaffecttheperformanceofbanks.Therefore,theresearchontheseproblemsisparticularlyimportant.ThroughtheresearchandanalysisoftheinternalmechanismofChinaConstructionBank,inclusivefinancialdevelopmentinruralareasandsmallandmicroenterprises,itisfoundthatthepratt&WhitneyfinancialbusinessofChinaConstructionBankhasagingbankinternalmechanism,pratt&Whitneyfinancialbusinesstypeinruralareasissingle,smallandmicroenterprisefinancingdifficultiesandotherproblems.Throughthestudyoftheseproblemsandthecorrespondingcountermeasuresaccordingtodifferenttypesofproblems,itisoffar-reachingsignificancetothefuturedevelopmentofinclusivefinancebusinessofChina'sConstructionBankshouldactivelytakemeasurestosolvetheseproblems,improvetheinternalmechanism,solvetheproblemsfacedbyruralareasandsmallandmicroenterprises,andstrengthenthedevelopmentofinclusivefinance.KeyWords：InclusiveFinance；CommercialBank；ChinaConstructionBank目录摘要............................................................................................................................IAbstract..........................................................................................................................II一、绪论........................................................................................................................1（一）研究背景....................................................................................................1（二）研究目的及意义...................................
