Xinjiang Internet Financial Development Model Optimization Research On The Inclusive Financing Perspective

With the progress of science and technology,the Internet finance gradually appeares in public view.On behalf of alipay and borrowing treasure,financial managements through Internet financial products are widely used,the space are in the extension of its application.Internet finance has a low threshold,low fees,to account the speed of short time,which provides a new way for people to financing.It can reflect the spirits of inciusive finance.Inclusive finance is designed to provide a full range of financial services and improve the quality of people's life for society all groups.Inclusive financial development level of the current our country is still in the preliminary stage,this is mainly based on the large poverty population in our country,financial factors such as weak infrastructure.In recent years,the Chinese government actively introduces a lot of financial institutions to support the development of small and medium-sized enterprises and the general public,as far as possible let financial services to infiltrate more vulnerable groups to improve the level of people's life.But small and medium-sized enterprises,vulnerable groups in rural areas of financial services still exist many problems,such as the financing difficulties of small and medium-sized enterprises,rural financial services in the blank,etc.In this paper,the study found that only P2 P and crowd-funding internet finance model could introduce the third party mechanism and discuss the community setting up the client optimization,which can be solved to a certain extent problems existing in the inclusive financial development,which has a long-term significance to the development of inclusive finance.Based financial intermediary,information asymmetry,the basic theory of the long tail theory,combining the inclusive financial development,only P2 P mode and crowd-funding mode develop in Xinjiang.First of all,the paper summarizes the related theory and research results,which concludes that the Internet finance promotes the development of inclusive finance.Then,by analyzing the financial current situation of the development of the Internet in Xinjiang,the P2 P lending mode and the crowd-funding mode of problems from the definition,characteristics and development are expounded in details.After from inclusive financial point of view,this paper discusses the necessity of financial model to optimize the Internet;it expounds theInternet finance,which can effectively solve the problem of inclusive contradiction and improve the development of the inclusive financial environment;it summarizes the feasibility of Internet financial model optimization scheme.