Research On The Building Of Inclusive Financial System In China's Rural Areas

Rural finance is an important part of problems about agriculture, rural areas and peasantry. And it is the weak link in the china's financial system continuously.How to reform and develop existing rural financial system, build reasonable rural financial system is a topic widely discussed by Chinese scholars in recent years.The United Nations'"Year of Micro credit"first introduces the concept of"inclusive financial"in 2005.It proposed to build an inclusive financial system, which include low-income and poor groups. Three consecutive"Central Document No.1"has indicated we must expand the financial services ranges of rural areas and establish an inclusive financial system in rural areas. It's also the realistic choice which changes the current situation of financial services of rural areas.This paper is divided into six parts, the main contents include:Chapter I is the introduction, the sense of selecting the topic, analytical framework, research methods, the thesis'new ideas are discussed.The second part firstly defines the concepts and contents of inclusive financial system, then on the basis of the development theory of rural financial, we elaborates the transformation of rural financial development paradigm and the forming process of the idea of the inclusive financial.In the third part we select some countries to reference, mainly contain Indonesia, Bengal, describing their measures to develop micro-credit and promote inclusive financial, making comparisons of these measures, drawing the international successful experience of inclusive financial.In the forth part we use the SWOT analysis method to analyze the development of inclusive financial in rural areas from the internal conditions (strengths and weaknesses) and the external environment (opportunities and threats), which is the basis for seeking and building the perfect inclusive financial system.Part five reviews the business situation of each rural financial institution in Shandong province, focuses on analyzing the practitioner of inclusive financial in our province-rural commercial bank of Shouguang. On this basis, we point out that the gap between the rural financial systems in our country (Shandong province) and the inclusive financial system.The sixth part proposes the countermeasures, we build complete inclusive financial system of rural areas from three aspects, such as service provider level, market construction level, legislation and policy coordination level.