中文摘要：

资金总量小、流动性差、借贷风险高等因素使民族地区银行业务拓展面临多重挑战,民族地区因此形成了金融排斥困局,但是有挑战也有发展的机遇,银行在民族地区的业务拓展还具有市场竞争小、政策偏向、需求增加等有利因素,因此银行对于民族地区的业务拓展可以通过创新产品服务、规范管理、联合开发等形式来扬长避短,抓住机遇。

英文摘要：

small amount of funds and poor liquidity,loan risk factors such as the national commercial banks＇ business expansion faces multiple challenges,minority areas thus formed the dilemma of Financial Exclusion,but there are challenges and development opportunities,the bank in the minority areas of business expansion has little competition in the market,policy bias, such as increased demand for favorable factors, so the bank for the ethnic areas of business expand can through innovative products and services,standardized management,joint development form to foster strengths and circumvent weaknesses,seize the opportun ity.