The Evaluation And System’s Establishment Of Inclusive Finance In China

Financial exclusion has been widespread in society for a long time, and caused a series of social issues. For example: “the difficulty in SME financing”, “ the less-developed of economy in rural areas ”,“the poor survival difficult”. These problems led to the unbalanced economic development and then led to a negative impact. "Inclusive financial systems" concept has been put forward by United Nations in 2005.It is a sustainable system and everyone can equally be obtained comprehensive financial services at reasonable prices. So the development of Inclusive financial can effectively reduce the occurrence of financial exclusion, and then promote the balanced development of economic and realize common prosperity eventually. Because of this,each country has put into the development of inclusive finance, and China, also.The main content of this paper includes the theoretical basis, the analysis of inclusive financial level, and to build an inclusive financial system. The first part provides a theoretical support mainly through the elaboration of related concepts, the analysis of necessity and the carding of development process.The part of to analysis inclusive financial section level describe the achievement and question of inclusive financial system firstly, and then through a lot of data comparison and empirical analysis discover the gaps between China and international and the unbalanced development of every province in China. Then made the analysis of affecting factors of the inclusion financial level, get the conclusion of a good inclusive financial system can effectively promote the development of inclusive financial. In the final part of this paper, an inclusive financial system was constructed from micro, meso and macro aspects. The paper then propose policy recommendations of building inclusive financial,implementation the differentiated supervision, improve the legal system, clear government boundaries on macro aspect; build a inclusive financial index system,increase rural infrastructure on meso aspct; strengthening the protection function of insurance, promote the healthy development of internet-based finance on micro aspect.In the second part, the paper propose the viewpoint, all of the affecting factors canbe reflected on the demand of finance eventually. And therefore only needs to select indicators from demand perspective, and the supply of services and related facilities etc.should be regard as aspecting infactor, which is different from the conventional literature. In the third part, whether it is the status quo investigation system or policy recommendations are clear division from the micro, meso and macro aspects, making the analysis more clearly structured.