SWOT Analysis of Digital Transformation of Inclusive Finance of Chinese Commercial Banks

With the continuous development of digital technology, Chinese commercial banks are actively carrying out the digital transformation of inclusive finance, striving to develop new digital inclusive finance services and products to better serve the public. Judging from the current achievements of commercial banks, the future development of inclusive finance digital transformation has broad prospects. Based on the SWOT model, this paper can analyze the internal and external environment of China's commercial banks’ financial inclusion from four aspects: strengths, weaknesses, opportunities and threats. At the end of the article, the article proposes specific development strategies under four different conditions, namely, providing personalized financial services, innovating marketing and business models, and improving risk prevention mechanisms. Financial knowledge, strengthen the construction of information sharing platform, thereby reducing transaction costs. Therefore, exploring a new digital inclusive financial model is one of the important issues in the current big data era, and has certain practical significance.