县域银行普惠金融模式SWOT分析
SWOT Analysis of Inclusive Financial Model of County Banks

众所周知，民营企业对于经济有着必不可少的作用，是国家经济发展的重要力量。我国近年来普惠金融不断发展，颇有成果。县域是连接城市与乡村的纽带，县域经济是国民经济的重要基础，推动县域经济高质量发展是加快建设现代化经济体系的重要一环。本文以江苏长江商业银行为例为普惠金融在县域地区的发展寻找发展启示和建议，该银行作为一家总部设立在县域的银行一直深耕小微企业，本文通过SWOT分析法分析得到江苏长江商业银行有着企业定位明确、下沉服务特色、稳定性优良的优势，也有着信贷风险高、创新力不足、品牌效应弱的劣势。并结合分析结果提出了充分利用发展小微企业多年的经验与信息加强数字化进程与下沉式服务相结合的建议。
As we all know, private enterprises play an indispensable role in the economy and are an important force in the country’s economic development. In recent years, China’s inclusive finance has continued to develop and achieved considerable results. The county economy is an important foundation of the national economy, and promoting the high-quality development of the county economy is an important part of accelerating the construction of a modern economic system. This paper takes Jiangsu Changjiang Commercial Bank as an example to find development inspiration and suggestions for the development of inclusive finance in county areas, as a bank headquartered in the county, it has been deeply engaged in small and micro enterprises, this paper analyzes that Jiangsu Changjiang Commercial Bank has the advantages of clear corporate positioning, sinking service characteristics and excellent stability, but also has the disadvantages of high credit risk, insufficient innovation and weak brand effect. Combined with the analysis results, some suggestions are put forward to make full use of the experience and information of small and micro enterprises for many years, and strengthen the combination of digital process and sinking services.