Study On The Financial Discovery In Xintai City,Shandong Province

The concept of inclusive finance has been put forward since 2005.After 13 years of development,it has made great progress.It means a financial system that can effectively and comprehensively provide services to all groups and strata of society,especially the low-income and poor vulnerable groups.In China,the vulnerable groups are mainly concentrated in the rural areas with backward economic development.In the vast number of backward towns and villages,a large number of farmers,individual industrial and commercial households,small,medium-sized and micro-sized enterprises and other groups still do not enjoy adequate financial services and products.With the continuous development of Internet,digital information technology,big data and artificial intelligence,inclusive finance is becoming more and more rich in content and diversified in forms of products and services.Various forms of financial innovation are driving the sustainable and healthy development of inclusive finance.Financial institutions continued to carry out the institutional innovation,organizational innovation,products and services,at the same time,countries from the system guarantee,financial support,personnel training and so on multi-dimensional support pratt & whitney financial development may be encouraged to pratt & whitney financial injected new momentum of development,in order to establish perfect pratt & whitney financial system provides the powerful support of science and technology,policy support,capital support.2017 19 big report put forward to implement the strategy of rejuvenating the country,in January 2018,the state council announced in 2018 the number one file is "the central committee of the communist party of China,opinions about implement the strategy of rejuvenating the country by the state council,to carry out rural revitalization without country pratt &whitney perfect financial system,at the same time,rural financial development,the implementation of the strategy of rejuvenating help speed up pratt &whitney with financial support,preferential policy,talent attraction,and many other measures implemented,boost rural pratt &whitney financial products.Financial services have become richer,smarter and more widely available.Help to promote the villages and towns in rural areas at the same time,the financial infrastructure construction to build the good rural financial ecological environment,financial institutions in rural villages and towns set up innovative business organization,the majority of villages and towns in rural areas can enjoy financial services and financial products are increasing,but the present stage compared with urban areas,especially in eastern developed cities,financial institutions relatively single predominantly rural credit cooperatives,post bank service,micro,small and medium enterprises loan financing difficulties,residents' financial knowledge is weak overall quality is low,the current situation of the poor consciousness in investment and financing has not been a fundamental change.Based on the definition and characteristics of inclusive finance and relevant theories of inclusive finance,this paper conducts questionnaire survey and field survey on the development status of inclusive finance in xintai city,and analyzes the development status of inclusive finance in xintai city from the perspectives of supply and demand of inclusive finance.Find xintai city pratt &whitney problems existing in the financial development and the factors which restrict the development of the xintai city pratt &whitney financial,xintai city of pratt & Whitney's current financial system is not perfect,still in the traditional commercial Banks as the main body in the supply,the supply is relatively insufficient,pratt & whitney financial development imbalance problem relatively prominent,urban and township rural gap is larger,the current network xintai city villages and towns in rural financial institutions is less,it is difficult to satisfy the masses to mini,small and medium-sized enterprises,individual businesses and rural residents as a representative of relatively weak groups' demand for financial services and products.Against the status quo,xintai city,through the analysis of the research of commercial Banks and comprehensive service,direct selling bank and to the development of corresponding credit practice in xintai pratt &whitney financial development promotes,pratt &whitney financial boost rural revitalization strategy of development,increasing farmers' income,agricultural development,rural revitalization is inseparable from the perfect pratt &whitney financial system for rural residents,rural Zhong Yang Shi cooperatives,agricultural enterprises and other groups provide convenient payment and settlement services,deposit and lending services,investment and wealth management services,agricultural insurance services,and stock fund and a series of financial services.This paper focuses on the practice of inclusive finance development in a county city of xintai city in Shandong province,summarizes and analyzes the existing problems and outstanding measures in the development to further guide the development of inclusive finance.Then,from the perspective of the government,we should strengthen fiscal and tax support,implement differentiated supervision,and do a good job in combining the article with the national strategy of inclusive financial development and rural revitalization,so that the two can coexist in the coordinated development and improve the construction of social credit system.From the perspective of financial institutions to increase the innovation of inclusive financial products,mechanism innovation,network innovation and other aspects of inclusive financial sustainable development of xintai city put forward Suggestions and measures.