Research On The Measure Of Inclusive Finance And The Countermeasures To Promote The Policy

In the year of microfinance on the United Nations,Inclusive Finance has been widely recognized in the field of vision for the first time.Inclusive Finance is proposed to improve the unbalanced development of regional financial services.Developing Inclusive Finance is an effective way to improve regional economic development.Our country has repeatedly proposed to develop Inclusive Finance vigorously,and implemented many measures to promote the development of Inclusive Finance.The purpose of Inclusive Finance is to alleviate poverty and achieve balanced development.Despite the rapid development of the government at all levels,with the continuous change of China's economic situation,the deepening of Inclusive Finance still faces challenges,especially in alleviating the effectiveness of the balanced development of poverty in the region and the effect of policy promotion.Through consulting the relevant literature,this paper summarizes the historical origin and concept of Inclusive Finance,combs the research results at home and abroad,excavates the theoretical basis of Inclusive Finance,and provides a favorable theoretical support for the article.By consulting the data,we get the development status of Inclusive Finance in three aspects: rural finance,small and micro finance and Internet finance.The regression model is used to test the effectiveness of Inclusive Finance policy,and based on the three dimensions of rural finance,small and micro finance and Internet finance,the Inclusive Finance index system is constructed.The index weight is determined by Entropy Weight Method,and the inclusive financial index is weighted,and the development level of Inclusive Finance in 31 provinces and cities in China is evaluated and ranked.The measurement results show that finance has a positive effect on economic growth.Inclusive Finance can improve the imbalance of financial development and promote financial development.In other words,in theory,Inclusive Finance can promote regional economic development balance.The level of Inclusive Finance development in various regions of our country is different,the eastern region of the more developed economy,the higher development level of Inclusive Finance,the western region with backward economic development level,the lowestdevelopment level of Inclusive Finance.The regional development level of Inclusive Finance in China has strong correlation with GDP in the region,which means that the level of economic development is the main factor affecting the development of Inclusive Finance,and the promotion of policy is not significant.According to the research conclusion,this paper puts forward the countermeasures to improve the two right mortgage business,establish and improve the credit guarantee system,explore various forms of agricultural insurance,construct the system of farmers' credit,encourage the cooperation between financial institutions,and promote the integration of the Internet and the Inclusive Finance.Therefore,it can make the financial institutions not only able to serve the three rural,small and micro enterprises,but also guarantee the financial institutions that provide the inclusive financial services to keep the capital and profit,so that the financial institutions can continue to operate.At the same time,it also improves the implementation effect of China's inclusive financial policy and promotes the balanced development of our country's economic level.