Research On Financial Exclusion And Inclusive Finance Of XZ City

In 2017,general secretary Xi Jinping pointed out at the national financial work conference that more financial resources must be allocated to the important areas of economic and social development and weak links,and a set of inclusive finance system should be established.The development of inclusive finance to improve the coverage,feasibility and satisfaction of financial services not only alleviates the growing demand of the people for financial services,but also the fundamental way to alleviate the contradiction in the case of unbalanced and inadequate financial supply,it is an important embodiment of the implementation of poverty alleviation strategy by the financial industry supporting the Rural Revitalization battle,it is an inevitable requirement for a virtuous circle within the financial system to realize the vision of building a moderately prosperous society in an all-round way.XZ City actively responded to the development requirements of inclusive finance under the call of the government,and took a series of effective measures to promote the reform and development of financial services,and achieved some results.However,compared with other economically developed regions,there is still a certain gap,especially for the existing problems such as difficult financing,expensive financing and cumbersome financing.Under the current economic situation,inclusive finance service in XZ City still faces many problems and challenges to be solved.This paper measures the index of financial exclusion and the current situation of financial development level of inclusive finance in XZ City,and makes an in-depth study on the influencing factors of financial development of inclusive finance.This has certain practical significance for grasping the current status of XZ City's financial exclusion and taking corresponding cracking measures accordingly,integrating existing financial resources,perfecting the inclusive financial system of XZ City and promoting economic and social development.This has certain theoretical significance for broadening the research scope and depth of financial exclusion and inclusive finance and enriching the research perspective.Based on the four dimensions of financial services,including depth,availability,affordability and so on,this paper selects seven indicators to construct the financial exclusion index system.And carry out the measurement of financial exclusion index in five counties of XZ City,and compare the results horizontally to determine the degree of financial exclusion in XZ City.Then,through the regression model and empirical test of the relevant influencing factors of inclusive finance development inXZ City,it is concluded that the relationship between micro enterprise loans and bank profitability is negatively correlated but positively correlated with asset quality,however,the inclusive finance indicators related to agricultural loans,savings deposits and other aspects have no significant correlation with the profitability and risk of banks,therefore,it can be concluded that banks have no intrinsic motivation to promote the financial development of inclusive finance so as to further determine the formation mechanism of financial exclusion in XZ City.Finally,combined with the analysis results of each chapter and the conclusions of empirical analysis to put forward targeted strategies and suggestions on how to deal with financial exclusion and better develop inclusive finance services in XZ City.This paper contains 1 picture,9 tables,91 references.