Research On Inclusive Financial Development In Western China From The Perspective Of Financial Exclusion

As the international community pays more and more attention to the development of "Inclusive Finance","Financial Rights" are regarded as the right to be equally enjoyed by every citizen.Since inclusive finance mainly serves vulnerable groups such as small and micro enterprises,peasants and low-income urban residents,it is more conducive to the social stability when these specific groups excluded from the traditional financial business are included in the scope of financial services Balanced development of economy and sound development of financial markets.However,due to the dual economic development model in our country,there is a big gap between the economic development level among regions and between urban and rural areas.In the process of promoting the development of inclusive finance,we should pay more attention to the western regions where specific groups are concentrated."Inclusive finance and financial exclusion have always been viewed as two aspects of a problem," as financial exclusion is a subset of social exclusion,so achieving the goal of developing inclusive finance by reducing financial exclusion is of both research and practical significance.Therefore,from the perspective of financial exclusion,this article studies the development of inclusive finance in the western region of China.By analyzing the present situation of inclusive finance development in the western region of our country,this paper finds that there are obvious deficiencies in the provision of inclusive finance in the western region.Commercial banks after the "share reform" can only provide limited financial services.Cooperative rural financial institutions(small rural Financial institutions and new rural financial institutions)are even more loved by the people in the western region.From the perspective of inclusive financial demand in the western region,the poverty-stricken area is large,the poor population is large,and the vulnerable industries are obvious.The asymmetry between supply and demand has made it more and more important to develop inclusive finance in the western region.Therefore,by analyzing the data of the western region from 2006 to 2015,this paper calculates the inclusive financial index in the western region,and then draws the empirical analysis that the factors affecting the inclusive finance in the western region are: the development of the first and secondary industry and the reduction of the gap between rural and urban incomes.Based on the analysis of the international successful experience in the development of inclusive finance,combined with the actual situation in our country and the results of this paper,the following suggestions are made for the development of inclusive finance in the western region of China: 1.improving the supply capacity of inclusive financial services in the western region;2.mining and protecting the financial demand;3,improving the inclusive financial service system.