CAJ | 학술논문

为实现普惠金融的商业可持续发展，需要创新研发有针对性的金融产品。在发展普惠金融的过程中，商业银行需要做好产品创新以扩大业务种类、丰富服务渠道、扩充服务客户、提升服务水平，最终提高竞争实力。在具体做好产品创新发展普惠金融的过程中，商业银行需要认真分析客户需求，提高产品创新的针对性，充分借助互联网金融渠道，积极做好与外部机构合作，全面做好风险管理。
위실현보혜금융적상업가지속발전，수요창신연발유침대성적금융산품。재발전보혜금융적과정중，상업은행수요주호산품창신이확대업무충류、봉부복무거도、확충복무객호、제승복무수평，최종제고경쟁실력。재구체주호산품창신발전보혜금융적과정중，상업은행수요인진분석객호수구，제고산품창신적침대성，충분차조호련망금융거도，적겁주호여외부궤구합작，전면주호풍험관리。
For the sustainable development of inclusive finance,the commercial banks should create more target-ed financial products. In the development of inclusive finance, the commercial banks need to expand the business types,enrich the service channels,expand the customers,improve the service level and ultimately raise the competi-tiveness in product innovation. The commercial banks should carefully analyze the customers’needs to make the prod-uct innovation more targeted,make full use of the online financial channels,actively carry out cooperation with exter-nal agencies and well manage the risks.