摘要
摘要
交通银行曲靖分行由于风险控制能力不足，导致不良贷款大量爆发，使得其
发展非常困难。作为国有商业银行的二级分行，交通银行曲靖分行一直都是围绕
着政府部分、国有企业、大型企业等开展业务，但该类业务的市场份额已被各家
商业银行分配完毕，没有太多的增长空间。故交通银行曲靖分行希望通过发展普
惠金融业务推动自身的发展，但一直没有取得很好的效果。本文对交通银行曲靖
分行进行了全面的研究与分析，在其原来的普惠金融业务经营模式上进行改革，
为其重新制定了一套普惠金融业务经营方案，实现了其普惠金融业务经营的创新，
助力其普惠金融业务的发展。
本文使用文献综述法首先对普惠金融的概念进行了界定，其次阐述了现阶段
国有商业银行普惠金融业务的发展策略、风险控制措施以及发展现状。通过对国
有商业银行普惠金融业务经营的大环境分析，说明了普惠金融的重要性，国家重
视普惠金融是因为需要通过普惠金融推动经济的持续发展，实现中华民族的伟大
复兴。社会的稳定需要普惠金融是因为普惠金融能够让资源向弱势群体倾斜，助
力阶层流动，增加社会活力，维持社会稳定。国有商业银行要发展普惠金融业务，
一方面是因为作为国有商业银行需要执行国家政策，履行社会义务，另一方面也
是因为银行间的竞争过于激励，而普惠金融业务有巨大的市场需求，有巨大的发
展空间。
本文通过案例分析法总结出普惠贷款业务的发展方向是依托科技的进步，以
网络贷款的形式，实现普惠贷款自助申请、自助审批，将普惠贷款由目前的申请
——审核模式，升级成为需求——服务模式。交通银行曲靖分行在发展普惠金融
业务时可以借鉴该经验，人工获取核心数据，人工分析得到信用评分，并以此为
依据发放贷款。
本文通过AHP-SWOT分析法，量化分析了交通银行曲靖分行普惠金融经营创
新的战略方向，确定了其适合采用SO的发展战略，并对SO战略提出了具体的实
施建议，提升了交通银行曲靖分行营销能力和获取客户的能力。之后使用层次分
析法构建了普惠贷款信用评分表，并在普惠贷款审批流程引入信用评分表，创新
了交通银行曲靖分行普惠贷款的审批模式，提升了其普惠贷款的审批效率和风险
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摘要
控制水平，使得交通银行曲靖分行普惠贷款业务的竞争力有了明显提升。最后对
交通银行曲靖分行内部管理方面存在的问题进行梳理，并逐一给出改革建议，提
升了其内部管理能力和运营效率。通过以上措施实现了交通银行曲靖分行普惠金
融业务的经营创新，整个研究方法对其它国有商业银行二级分行的普惠金融业务
经营有一定的借鉴意义。
关键词：国有商业银行；普惠金融；经营创新；风险控制
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Abstract
Abstract
The lack of risk control ability of Qujing Branch of Bank of Communications
leads to a large number of non-performing loans, which makes its development very
difficult. As a secondary branch of state-owned commercial banks, Bank of
Communications Qujing Branch has always been around the government, state-owned
enterprises, large enterprises and other businesses to carry out business, but the
market share of this business has been allocated by various commercial banks, there is
not much room for growth. Therefore, Bank of Communications Qujing Branch hopes
to promote its own development through the development of inclusive finance
business, but has not achieved good results. This paper conducted a comprehensive
study and analysis on Qujing Branch of Bank of Communications, reformed its
original inclusive finance business model, and formulated a set of inclusive finance
business operation plan for it, realizing the innovation of inclusive finance business
operation and helping the development of inclusive finance business.
This paper first defines the concept of inclusive finance by literature review
method, and then expounds the development strategy, risk control measures and
development status of inclusive finance business of state-owned commercial banks at
the present stage. The importance of inclusive finance is illustrated by analyzing the
environment of inclusive finance business of state-owned commercial banks. China
attaches importance to inclusive finance because it needs to promote sustainable
economic development and realize the great rejuvenation of the Chinese nation
through inclusive finance. Social stability needs inclusive finance because it can tilt
resources to vulnerable groups, help social mobility, increase social vitality and
maintain social stability. State-owned commercial banks want to develop inclusive
finance business, on the one hand, because as state-owned commercial banks need to
implement national policies and fulfill social obligations, on the other hand, because
the competition among banks is too stimulating, and inclusive finance business has
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