Analysis Of The Role Of Rural Credit Cooperatives In The Perspective Of Inclusive Finance

30 years of reform and opening up, China’s economic and social changes have taken place, the financial industry has gone through an extraordinary development of the road. However, despite the development of the scene continues to change, the hot issues continue to renovate, to achieve common prosperity as the main line of the economic development of our country has never changed. Focus on the current rural financial services system, we can see a large part of low-income groups and small and micro enterprises are excluded from the formal financial services, especially, farmers lack of financial awareness in general, usually,financial institutions reluctant to get involved in rural areas, rural financial infrastructure is not in place is not balanced rural financial development.Inclusive financial system began in the United Nations 2005 International micro-finance year, is to be able to fully and effectively provide services for all sectors of the community and the financial system, designed for the traditional financial institutions outside the system, the low income class and small and micro enterprises to provide financial services.Inclusive financial philosophy is to provide effective and comprehensive financial services to all sectors and groups, which also with the central government to implement the scientific concept of development, building a socialist harmonious society’s requirements to adapt to build a sustainable, can provide suitable financial products and services for all inclusive financial system is an important starting point for the implementation of scientific development concept, building a harmonious society.For China, Inclusive Finance aims to solve the problem of financial support in the reality of the three rural, small and medium enterprises and other vulnerable areas,through the provision of quality and efficient financial services to help vulnerable groups or enterprises to make full use of financial resources to enhance their economic and social status, and promote coordinated development of the economy and society.Development of Inclusive Finance, so that the development of financial reform to benefit all regions, all the people, especially serving the three rural and small and micro enterprises, to boost the development of urban and rural integration has important significance, but also for the rural financial institutions to promote inclusive financial services has brought new opportunities. As the main force of rural financial institutions in the rural credit cooperatives under the new situation is much more. This paper first reviews the concept of Inclusive Finance in China, and then analyzes the important significance of the development of Inclusive Finance. And then we put forward the role of rural credit cooperatives in financial institutions, and we show that rural credit cooperatives is the most important in the role of Inclusive Finance with the method of the AHP. Finally, some policy recommendations are provided to solve how to achieve "general", how to achieve "benefits", how to develop rural financial development in rural areas, namely the development of Inclusive Finance, according to the new situation of rural credit cooperatives.