Measurement And Analysis Of Inclusive Financial System In Developed Counties

The United Nations mentioned the term " Inclusive Financial System" for the first time in the 2005 International Microfinance Promotion Year.At the same time,the concept of inclusive finance was put forward by Jiao Jinpu for the first time in 2006 at Beijing Asian Microfinance Forum,and the theoretical framework of Inclusive Financial System was constructed.But in fact,foreign research and practice of inclusive finance has a long history,and has formed a relatively complete theoretical system.Since the introduction of the concept of inclusive finance,domestic research in this field has also made considerable progress.However,the domestic scholars on the study of inclusive finance focused on the national and provincial level,even the county level research was also concentrated in the less developed areas,the research direction emphasized on the overall construction of the inclusive financial system,There were few studies on the measurement and analysis of the inclusive financial system at the developed county level.This paper summarizes the research on the theory and measurement of inclusive finance at home and abroad through literatures.At the same time,the article analyzes the feasibility and necessity of developing inclusive finance at the county level.And then measures the development of local inclusive finance combined with Shangyu's data and finds that the region has a large number of financial institutions and financial practitioners,the popularity of financial services relative to the surrounding area shows overwhelming advantage.But through the analysis of the effect of implementing inclusive finance finds that the large commercial banks are lazy to participate the construction of inclusive financial system,the publicity of inclusive financial services is not in place and so on.These factors lead to the implementation effect of inclusive finance is not ideal.In view of the above problems,this paper puts forward a series of measures from the institution and government level,including changing the business ideas,enhancing customer participation and strengthening the guidance of commercial banks,.I hope these will provide some reference and help for perfecting the construction of inclusive financial system in developed counties.