PAGE\*MERGEFORMATIII摘要随着我国经济的发展，经济成果能否分配至人民百姓日益成为关注点，在此基础上所推出的普惠金融政策措施虽获得了一定成绩，但措施落实的过程中存在不平衡、效率低的问题等。本文以东莞商业银行为例，集中阐述了普惠金融概念与内涵，围绕普惠金融在东莞商业银行发展中存在的不均、吸引力不足、风险高、信息系统不成熟四个问题，提出了发展改进的对策，如加强针对东莞镇区的渠道建设、银行推出产品定制化服务，政府及银行内部设立奖惩机制以及科技创新金融风控体系。本文主要采用搜集东莞中小微企业企业的相关数据与商业银行关于普惠金融发展的相关数据进行比对。全文主要分为三个部分：首先是对普惠金融在东莞市商业银行的发展状况作了简明的介绍；其次是对普惠金融在东莞商业银行发展存在的问题进一步分析；最后一部分便是针对上述问题所提出来的一些对策。本文的创新点在于以普惠金融作为研究的对象，通过普惠需求方与商业银行的现状对比，发掘其在商业银行发展过程中的不足，并结合相关的文献进行梳理，提出相应的对策。关键词：东莞市商业银行普惠金融ABSTRACTWiththedevelopmentofourcountry'seconomy,whethereconomicbenefitscanbedistributedtothepeoplehasbecomeanincreasinglyconcernedissue.Onthisbasis,China'sfinancialpolicymeasureshaveachievedsomeresults,buttherearesomeproblemssuchasimbalanceandlowefficiencyintheimplementationprocess.IndongguancitycommercialBanks,forexample,thispaperfocusonthispaperexpoundstheconceptandconnotation,pratt&whitneyfinancialsurroundingpratt&whitneyfinancialimbalanceoftheexistinginthedevelopmentofcommercialbankindongguan,lessattractive,highrisk,informationsystemisnotmatureandfourproblems,putsforwardthecountermeasuresforthedevelopmentofimproved,suchasstrengtheningtheconstructionofchannelsfordongguantownship,thebanklaunchedproductscustomizedservices,governmentandBanksinternalsetuprewardsandpunishmentmechanismaswellasscienceandtechnologyinnovationsystemoffinancialriskcontrol.Thispapermainlycollectstherelevantdataofsmall,mediumandmicroenterprisesindongguanandcomparesitwiththerelevantdataofcommercialBanksonthedevelopmentofinclusivefinance.Thepaperisdividedintothreeparts:firstly,itbrieflyintroducesthedevelopmentofinclusivefinanceindongguancommercialbank;Secondly,itfurtheranalyzestheproblemsexistinginthedevelopmentofinclusivefinanceindongguancommercialBanks.Thelastpartissomecountermeasuresagainsttheaboveproblems.Theinnovationofthispaperistotakeinclusivefinanceastheresearchobject,throughthecurrentsituationofinclusivedemandsideandcommercialBankscomparison,exploreitsshortcomingsinthedevelopmentprocessofcommercialBanks,andcombined