The Research On Inclusive Financial Development In Underdeveloped Areas

In the current Economic stage that is called the new normal,in the process of mode transfering、structure adjusting and seeking new economic growth point, people gradually recognize the bottleneck of the regional economic and financial in development into a new in-depth,the financial authorities and financial market institutions gradually Recognizing the traditional financial system’s difficulties and deficiencies in serving small and micro enterprises, agro-economic and poverty levels, resulting in a narrow financial markets,weak in unsustainable and deep growth,lack of a large enough customer base and market in the domestic and international financial markets capacity to buffer the risk. Therefore,more and more emphasis on inclusive finance are received from government, financial institutions and scholars.In this paper,on the basis of combing research literature,a common understanding of the inclusive financial is participationed by various financial institutions, allocating credit resources equitable between regions, between urban and rural areas, between different types of businesses and people, provide a variety of financial services to meet the financial needs of all the people, in order to achieve a balanced、coordinated and sustainable new financial system.In the first part of the article describes the sense of developing inclusive finance for the country’s financial system reform and improve the level of inclusive financial in under-developed areas;the second part of the article analysised the theoretical connotation of inclusive finance;in The third part of the article, the overall level of financial development、the current situation of financial institutions layout、 payments and settlement systems 、 product innovation 、 development of regional credit system construction etc respect of Heze city’ inclusive financial status and constraints are analyzed;in the fourth part,Heze City,a typical underdeveloped city in eastern provinces,is analyzed as samples,combined with the questionnaire and survey data, try to build inclusive financial development index of Heze City, and from the financial coverage、use efficiency and service costs three aspects, analyzed and evaluated the city’s inclusive financial levels in the city and county district, and further pointed out the problems indeveloping inclusive financial in underdeveloped areas;the fifth part combined with inclusive finance index, from financial coverage、efficiency of financial services、the cost of service dimensions, financial authorities, financial market players, financial product dimension,the social credit system,internet financial develop dimensions, analyzed the developing path of inclusive financial in underdeveloped regions, and put forward relevant policy recommendations.This paper use the financial service coverage, use, service cost index method,2009--2013 Heze municipal levels were measured inclusive financial development and the preparation of the various counties of Heze City financial development Index, and then on the basis of the index, analysis and evaluation of the impact of various factors on the less developed areas of the development of inclusive finance, combined with the sub-index put forward to improve the city’s financial inclusion level of focus and direction, for the less developed areas of traditional agriculture has certain reference value in developing inclusive financial.