Analysis On The Effect Of Inclusive Financial Income And Its Influencing Factors

In 1983,the Bangladeshi bank,founded by Yunus,was the embryonic.2005 year of Pratt and whiten finance.At the international microfinance annual meeting,the concept of Inclusive Finance was formally proposed by the United Nations to define the connotation as a comprehensive and effective financial service for the whole society,the whole class and the whole group.This is also the inclusive financial body.Under the concept of equality in financial services,for the low and middle income groups outside the regular financial system or the traditional financial institutions,it is the basic task to build the financial services that enjoy the availability of the financial services.On the basis of the basic purpose of covering all the members of the society,it has been continuously improved in the process of social and economic development and promoted it to the government undefineds important policy level.In the 2014 government report,Premier Li Keqiang made clear the goal of financial deepening reform in the direction of developing Inclusive Finance,figuratively comparing the use of Pratt and gold.With the irrigation of this pool of living water,the trees of the small and micro enterprises and the "three rural" entities are thriving.The management supervision institutions of the people undefineds Bank of China and the China Banking Regulatory Commission,together with research institutions and practitioners,have made a top-level design for the development of Pratt and whiten finance.However,due to the differences in the level of economic development and the influence of many other factors,the development of Inclusive Finance is bound by certain constraints.Moreover,the effect of Inclusive Financial Development on economic development,income growth and so on has produced a great difference between different regions.In the process of economic and social development,the factor endowment can not be replicated but can be intervened.The supply system of capital elements and supply model are the main contents of the intervention of factor market,not only the means to break through the bottleneck of the efficiency of the factor allocation,but also to break through the important measures to reduce the difficulties of the income gap between urban and rural areas.With the help of the theory of financial development,the theory of universalfinancial development and the theory of income gap between urban and rural residents,the paper adopts the theory of combing and induction and empirical analysis,taking North China as the research area,taking the relationship between the development of Inclusive Finance and the income gap between urban and rural residents as the research content,and carrying out the income level of Inclusive Finance.And,from the perspective of financial system and resource allocation,the supply and demand of Inclusive Finance in North China,the development of microfinance and the development of small and micro enterprises,the present situation of financial development in North China is analyzed in general,and the deep reasons that affect the development of Inclusive Finance are summed up.In terms of ratio and growth rate of urban and rural income,this paper analyzes the current situation of urban and rural residents undefined income in North China,and combines the data of inclusive financial development and urban and rural residents undefined income from 2010 to 2016 in North China,constructs the index of the inclusive financial development index and income gap,and through the model test,it can be concluded that the development of Inclusive Finance can be reduced.Based on the conclusion of the income gap between urban and rural residents,this paper puts forward relevant countermeasures for developing Inclusive Finance.