Research on the Development of Commercial Banks' Inclusive Finance under the Background of Financial Technology

DOI: https://doi.org/10.62517/jel.202514520

Author(s)

Shuang Wu, Ling Ding

Affiliation(s)

School of Economics, Guangzhou College of Commerce, Guangzhou, Guangdong, China

Abstract

In the era of digital economy, financial technology has become a key driving force for financial development. In response to this trend, commercial banks are deeply integrating technologies such as big data and artificial intelligence with inclusive finance, actively creating new models of digital inclusive finance, continuously deepening digital products and services, striving to expand the service boundaries of inclusive finance, and constantly improving the quality and effectiveness of inclusive financial services. This paper focuses on the empowerment of inclusive finance by financial technology, analyzes the problems existing in the development of commercial banks' inclusive finance, including challenges in risk management and control, prominent information asymmetry issues, severe homogenization of products and services, and deficiencies in inclusive finance support strategies. Subsequently, in response to the identified issues, corresponding countermeasures are proposed regarding the construction of inclusive finance credit system, innovation in financial products and services, the digital transformation of commercial banks, and enhancing the targeting and continuity of strategies. The aim is to help commercial banks achieve efficient and stable development of their inclusive finance business.

Keywords

Financial Technology; Commercial Banks; Inclusive Finance; Countermeasures

References

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