Research On Financial Inclusion Test Evaluation Based On ICT

In recent years, financial inclusion is a theoretical concept, has been promoted to the topic, which are concerned about government, business and academic circles. As information and communication technologies(ICT) are widely used, the Internet finance, as the financial innovation model combining ICT and financial sector, show a rapid rise in China, expand the coverage of financial services, and gradually perfect the financial capabilities, improving the financial inclusion. Aiming at such background, focusing on this issue of ICT, the research comprehensively evaluates the development trend and state of Chinese financial inclusion.Firstly, sorting the relevant literature on financial inclusion studies from home and abroad, review and analysis of the research status, and based on the financial innovation diffusion theory, analyze the promoting mechanism of ICT to financial inclusion, and establish financial inclusion measure evaluation system building on this foundation, put forward the availability and usage of the two dimensions, adds ICT investment and new type of Internet finance indicators on the basis of previous studies. Then, empower and comprehensively evaluate the data from 2010 to 2013 with the application software of MATLAB 2014, obtain the following conclusions:(1) from 2010 to 2013, each dimension of financial inclusion and comprehensive evaluation of scores are increasing year by year, development of financial inclusion show the lifting trend, indicating that Chinese financial reform has achieved some success, verify the promoting effect of ICT to financial inclusion;(2) using fuzzy comprehensive evaluation method, the financial inclusion score of China is 3.1289, is in the state of common inclusive state, indicating that the financial inclusion based on the promoting effect of ICT needs to be improved.This study puts forward some suggestions from two levels:(1) government level: perfect the Internet finance support system, establish and perfect Internet finance regulatory system;(2) finance institutions level: the new Internet finance companies should strengthen their own development, make use of branding strategy, strengthen the construction of credit system and supporting service system. Traditional financial institutions and Internet financial companies should share information and expand the alliances of industrial chain to achieve win-win.