The Role and Development Path of Internet Banking in Inclusive Finance

With the rapid development of Internet technology, Internet banks, as an emerging financial model, are gradually changing the landscape of the financial industry. This paper aims to explore the role of Internet banks in inclusive finance. By using a literature review as the research methodology, it analyzes how Internet banks achieve the popularization and deepening of financial services and explores their development paths and significance. Inclusive finance is a key focus of national policy and financial reform, aiming to provide more convenient and efficient financial services to low-net-worth individuals and small and micro enterprises through innovative financial services and products. Internet banks, as emerging financial institutions, have achieved remarkable results in the field of inclusive finance with their digital nature and financial technology tools. They promote the in-depth development of inclusive finance, facilitate the integration of financial innovation and technology, provide a theoretical basis for policy-making, enhance the competitiveness of financial institutions, and foster inclusive economic growth.