商业银行发展普惠金融的路径分析

普惠金融具有客户覆盖广、单户收益低、成本投入高、潜在风险大的特点,商业银行借助传统方式发展普惠金融面临商业可持续的世界性难题。金融互联网化具有网络覆盖广、综合成本低、复制推广快、信息储量大的优势,可以较有效地解决商业银行在发展普惠金融中面临的问题。商业银行需要参考互联网金融的做法,积极调整发展思路,转变商业模式,从数据平台建设、产品研发、渠道建设等方面进一步探索金融互联网化的改进措施,推动普惠金融发展。

The Analysis of the Path of Commercial banks＇ Developing Inclusive Finance

Inclusive finance has the characteristics of the extensive customer coverage, low single-family profit, high input costsand great potential risk, and commercial banks are facing the sustainable business which is the global problem if commercial banks de-velop inclusive finance with the traditional way. Finance combined with intemet has the advantage of extensive network coverage, lowcomprehensive cost, quick copy promotion and large information reserves, and can effectively solve the problems faced by commercialbanks when they are developing inclusive finance. Commercial banks need to learn from the practice of internet finance, actively adjustthe development ideas, change business modes, and further explore the improvement measures of intemet finance from such aspects asthe data platform construction, product development, channel construction and so on to push the development of inclusive finance.