The Influence Mechanism And Countermeasures Of Internet Finance And Financial Inclusion

As a new financial way,based on Internet data and take the network as a platform.Its characteristics of "open" and "equality" are combined with the Internet,which makes the information become public and transparent.The characters of high efficiency and the low cost of capital accumulation and financial fragmentation mode is the same to the idea of Financial inclusion.lt is no longer limited to the traditional financial services only 20%of the quality of customers,but to target 80%of the long tail customers.The Internet Finance relies on efficient payment,cloud computing and search engines and large data processing model greatly increase the long trail customer's basic financial services and product availability,so that more people are exposed to financial services at the same time,and make it better access to financial services.Based on this,this paper introduces the concept of the Internet Finance and financial inclusion and related theory,from the development of the status quo,the article analyzes the causes of China's financial inclusion deficiency and the reasons for the rapid growth of the Internet Finance,find the fit in their development logic,from the theoretical level illustrates both the benign interaction mechanism.This paper adopt the fuzzy comprehensive evaluation method,through empirical analysis of SME's in the 4 major ways of financing the highest efficiency of Internet financial lending(except internal financing).Furthermore,through the correlation analysis and regression analysis of Internet financial and corporate financing efficiency,it is further proved that with the development of Internet finance,there is a significant positive(negative)impact on the financing efficiency indicators,testing the positive interaction of the Internet Finance and financial inclusion from the empirical level.Finally,in order to promote the development of the Internet Finance more healthy,security and standardization to achieve a positive interaction between finance and financial inclusion,put forward specific countermeasures and suggestions.