Study On The Development Of Inclusive Finance In Underdeveloped Areas From The Perspective Of Internet Finance

China's economic structure has long been dualistic.According to the financial development status,there're huge differences among financial aggregates,financial institutions and financial services in different areas.The financial system can't meet the needs of the small and micro enterprises,farmers and low-income population groups in towns,especially in some underdeveloped re gions with weak economic base.In recent years,the rapid development of the Internet finance in C hina attracts the attention of the public.The nature of it,including wide covering range,low transaction cost,availability and other characteristics,provide a new option for the development of inclusive finance.This paper argues that the combination of the Internet finance and the traditional finance can let those vulnerable groups who are excluded from traditional finance get fair and reasonable financial services.How to use Internet banking to promote inclusive financial development in less developed regions,based on the research,then through empirical analysis concluded that concludes with a relative path of the development of inclusive financial advice.This paper starts from theory research,trying to figure out how to use Internet finance to promote inclusive financial development in underdeveloped areas,draws conclusion from practices and give some useful advices.In the theory research part,the author summarizes the researches of domestic and foreign scholars about Internet finance and development of inclusive finance.And then describes how to quantitatively analysis the development of inclusive finance based on those results.In the empirical research part,the author studies the development status of Neijiang's economic and financial institutions and tries to estimate the macro-economic environment and condition to develop inclusive finance.And then try to set up the index of inclusive finance development in Neijiang from the perspective of the coverage of financial service,the usage of financial service and the access of financial service.At last conclude the reason of the present status of the development of inclusive finance in Neijiang.In the suggestion part,this paper outlines the combination modes of traditional banking institutions and Internet finance and gives some specific ideas of how to improve the developing level of inclusive finance in underdeveloped areas such as developing Internet finance in traditional banking institutions,setting up inclusive financial eco circle by using Internet finance and the enforcement of policies.