The Research On Practice And Development Of Inclusive Finance In Shaxian

On October12th2008,"several major issues about promoting rural financial reform and development of CPC Central Committee" was adopted on the Third Plenary Session of the17th Chinese Communist Party, Which attached great importance to the role of rural finance in the rural economy, and proposed that "rural finance was the core of modern rural economy". In2010, the central document focused on the requirements to improve rural financial services, and at the same time proposed that the work of agricultural and rural should improve the policy system of benefiting the agriculture and promote rural resource elements to rural areas. In2013,The decision of the Third Plenum of the Chinese Communist Party eighteenth community stated that we should improve the rural financial market system, and internally expand the degree of financial sector opening to outside. On the premise of strengthening supervision, encourage private capital qualified in accordance with the law to initiate the establishment of small and medium sized banks and other financial institutions, and promote the reform of policy financial institutions; Develop the inclusive finance, encourage financial innovation, and at last enrich the level of financial market and products. Now the inherent shortcomings of the traditional financial system still exist, the problem that financial resources are concentrated to cities and economically developed areas and rural areas and the poor are excluded to outside of financial services system is still outstanding.Now effective allocation of financial resources are not existing in rural areas, the uneven distribution of financial resources has severely restrict the development of social economy to achieve comprehensive and sustainable, which deeply widen the gap between the development of urban and rural. In order to get rid of the status of "dual structure" of urban and rural finance, effectively promote more resources to rural areas, and promote equal access to financial services in rural areas, from the beginning of August2010,,Sanming Branch Banking actively advocated and promoted the establishment of the People’s Government of rural financial reform pilot area in Sha country, and at the process of exploring, declared the national rural financial reform pilot area.As one of national rural reform pilot area which undertake the task of innovative rural financial system reform experiment, Sha country took the achievement of Inclusive finance as the core. After a period of exploration and innovation, Sha country have yielded good results. Looking at the new round of rural financial reform. current research on inclusive finance mostly begin with financial reform overall reform and how to increase the supply level, to solve the problem of rural finance through institutional innovation and product innovation, but lack a comprehensive evaluation of the operation of rural financial reform on the inclusive finance. So according to the county’s economic and financial characteristics, the article will construct the index system, which will be used to evaluate the effectiveness of inclusive finance. Further more analyze the effectiveness of rural financial reform in Sha country. And then, from the perspective of government, financial supply and financial needs, systematically analyze the achievements and problems which are still exist, on the improvment of rural financial system, Sounding the input mechanism, Innovativing rural financial products and so on. Then providing a reference for further improvement on inclusive Finance reform in Sha country...