我国商业银行普惠金融业务发展研究ResearchontheDevelopmentofInclusiveFinancialBusinessofCommercialBanksinChina摘要在我国经济快速发展的今天，如何让所有人都能享受到公平、公正的金融服务，关键是要进一步发展普惠金融。随着人们对网络的快速需求，利用网络开展普惠金融服务已成为商业银行可持续发展的一种重要手段。当前，我国的商业银行正借助网络金融技术，与网络金融机构进行合作，大力发展普惠金融服务。本文在借鉴国内外相关文献和研究成果的基础上，结合当前商业银行的实际情况，提出了在普惠金融领域开展普惠金融的必要性。其次，本文运用文献法、理论和实践相结合的方法，对我国商业银行开展普惠金融服务的现状进行了探讨。本文以中国建行的典型案例为例，对当前我国商业银行利用网络技术开展普惠金融服务的缺陷进行了分析。最后提出增强普惠金融服务内生动力，实现商业持续性、构建“互联网+”风险控制体系，规避金融风险、加强数据化平台整合，助推商业银行业务转型以及创新信贷产品等方面来促进商业银行普惠金融业务的发展。本文研究目的在于分析如何通过互联网更好的推动商业银行普惠金融业务发展，并且可以使商业银行普惠金融业务惠及到每一个人提供对策和建议。关键词：互联网；普惠金融；商业银行普惠金融业务ResearchonthedevelopmentofinclusivefinancialbusinessofcommercialbanksinChinaAbstractWiththerapiddevelopmentofChina'seconomy,thekeytohowtomakeeveryoneenjoyfairandjustfinancialservicesistofurtherdevelopInclusiveFinance.WiththerapiddemandfortheInternet,usingtheInternettocarryoutinclusivefinancialserviceshasbecomeanimportantmeansforthesustainabledevelopmentofcommercialbanks.Atpresent,China'scommercialbanksarecooperatingwithonlinefinancialinstitutionswiththehelpofonlinefinancialtechnologytovigorouslydevelopinclusivefinancialservices.Basedontherelevantliteratureandresearchresultsathomeandabroad,combinedwiththeactualsituationofcurrentcommercialbanks,thispaperputsforwardthenecessityofdevelopingInclusiveFinanceinthefieldofInclusiveFinance.Secondly,thispaperdiscussesthecurrentsituationofinclusivefinancialservicesinChina'scommercialbanksbyusingthemethodofliterature,theoryandpractice.TakingthetypicalcaseofChinaConstructionBankasanexample,thispaperanalyzesthedefectsofChina'scommercialbanksusingnetworktechnologytocarryoutinclusivefinancialservices.Finally,itproposestoenhancetheendogenouspowerofinclusivefinancialservices,achievebusinesssustainability,buildan"Internet+"riskcontrolsystem,avoidfinancialrisks,strengthentheintegrationofdataplatforms,boostthebusinesstransformationofcommercialbanksandinnovatecreditproductstopromotethedevelopmentofinclusivefinancialservicesofcommercialbanks.ThepurposeofthispaperistoanalyzehowtobetterpromotethedevelopmentofinclusivefinancialbusinessofcommercialbanksthroughtheInternet,andmaketheinclusivefinancialbusinessofcommercialbanksbenefiteveryone,andprovidecountermeasuresandsuggestions.KeyWords：Internet；Financialinclusion；Inclusivefinancialservicesofcommercialbanks目录摘要................................................................IAbstract...............................................................II引言................................................................1一、理论基础与文献综述..................................................2（一）普惠金融的概念及特点..........................................21.普惠金融的概念................................................22.普惠金融的特点................................................2（二）相关理论基础..................................................31.金融排斥...
