Shanghai University, Shanghai, 201800, China
At present, China's commercial banks are actively exploring the practice of digital transformation. Through big data, artificial intelligence and other financial technologies, we will develop inclusive financial services and product models, and solve the problems of difficult and expensive financing in the private economy. This paper introduces the development of inclusive finance in China, points out the difficulties in the development of inclusive finance in China's commercial banks, and discusses the changes that can be brought by the development of inclusive finance. By introducing the digital financial inclusion index, a simple regression is made to the prospects of the banking industry and the profitability of banks, and the positive relationship is proved. Finally, some suggestions are put forward for the development of inclusive finance in China.
Commercial banks, Inclusive finance, scientific and technological progress
Yongquan Tang. Research on the Development of Inclusive Finance in China's Commercial Banks. International Journal of Frontiers in Sociology (2021), Vol. 3, Issue 7: 25-31. https://doi.org/10.25236/IJFS.2021.030704.
 Zhao Dandan. Research on digital transformation of Inclusive finance in China's commercial banks [J]. Southwest Finance, 2020(12): 35-43.
 Tang SHIhui. Measurement analysis of the impact of digital inclusive finance on consumer consumption [J]. Business Economic Research,2020(21):57-60.
 Liu Gang. Analysis on the development of digital inclusive finance in commercial banks [J]. Rural Finance Research, 2019(08): 7-12.
 Sun XUhuan. Research on the effect of inclusive finance on smes' financing constraint mitigation [D]. Qingdao University of Science and Technology, 2020.
 Lian YUqing. Digital Technology can make banks' inclusive finance business "fly"──strategic thinking on commercial Banks' development of data inclusive finance [J]. Contemporary Financier, 2017(10): 72-75.
 Bei D G. Strengthening the capacity building of inclusive finance in banks [J]. China Finance, 2017(22): 25-27.