Innovation Of Enterprises' Organization Based On Inclusive Financial Target

Inclusive rural financial organization, including formal rural financial institutions and non-formal rural financial organizations. The clients of inclusive rural financial organization including all groups that have been received financial services, and vulnerable groups, industries, regions that have not got financial services. In order to link the two together better, promoting more suited rural financial services to villagers, countryside and agriculture,the research on effective organizations of rural finance will be needed. However, at present China's rural financial services is difficult to closely link the two,the clients of existing financial institusions have started to drift its target poor clients, many of the vulnerable groups have been marginalized, the quality and quantity of financial services are not well meet to the needs of this segment market. So research and innovation on corporate finance, commercial finance, policy finance, postal savings, NGO and other financial organizations as well as new form of financial organization which is called social financial enterprise,will be practical significance.This article first elaborated the correlation theories about innovation of inclusive rural financial organization, such as the development theory of rural financial organizations, inclusive financial theory, corporate social responsibility theory, the social enterprise and organizational innovation theory. Secondly, analyzed the situation and bottleneck of existing supply of rural financial institutions, found that the existing rural financial institutions is in inadequate supply, reducing the rural financial services increased the gap between rural financial demand and supply, so proposed that the innovation need of the existing rural financial organizations, to prevent the deviation from the goal of inclusive financial system during the development process of rural financial organizations.Then described inclusive finance's target,the requirements to achieve the goal, and analyzed on the strengths and weaknesses of our existing financial institutions. After that on the basis of correlational studies about social financial enterprise to realize inclusive aim, discovering that social financial enterprise is beyond the form of other financial organizations in achieving inclusive finansial system. And according to learn other countries'developing experience as Grameen Bank (GB) and the Indonesian Ministry of Microcredit (BRI-UD), put forward a sound innovative idea on how to innovate rural financial institutions. Following that in order to achieve inclusive financial objectives better, table a proposal that existing rural financial institutions should improve their defects, reveal their unique advantages, to form a net of mutually beneficial cooperation with social financial enterprises. At last, analyzed the environmental conditions that need for rural financial organization innovation.