Research On The Related Issues Of Chinese Inclusive Financial System Construction

Inclusive financial system is a financial system for all levels of society and communities to provide inclusive financial services system, which is based on business sustainability and inclusiveness for the content of the business of the financial system. At present, China is still in the exploration of inclusive finance the development stage, the formation of an inclusive financial system is far from the true sense, in this regard due to the results of long-standing financial repression policy choices, on the other hand is due to their own commercial property finance decisions Pratt & Whitney is missing financial system concept results. In recent years, the state has issued a series of policies and measures of financial support for small and micro enterprises and other economic and social development and people’s livelihood and the weak link, so that the results of the financial reform and development of more benefit the masses. But at the same time it should be noted that China’s current "three rural" small and micro enterprises and other vulnerable groups, financial services still exist some weak links, there are many issues build inclusive financial systems need to be studied and resolved. From an international perspective, emerging economies and developing countries to explore the effectiveness of promoting inclusive financial development, as we were building an inclusive financial system provides the experience.China is in a critical period of economic and social transformation, the deepening of the reform of the financial sector, the rapid development of modern science and technology information technology enables mobile banking, online banking and other new emerging business conditions, market players and vulnerable at the outside of the traditional banking system multi-level groups, a wide range of financial needs increasing, claims the benefit of the average financial rights are growing, which is no doubt China’s financial reform and development, innovation and service levels proposed new requirements, especially from the country’s financial the height of the development strategy of building inclusive financial system raised new issues.Inclusive financial system is an effective and comprehensive system to provide financial services to all sectors of society and communities, it is not only a reflection of the existing financial system and abandon, but also a new financial strategy. Building inclusive financial system as a complex system engineering, must rely on the overall financial system to solve the fundamental building. By constructing a multi-level, wide coverage and sustainable inclusive financial system in order to provide timely and effective financial services for low-income groups and small and micro enterprises, so that all market players can share and rain showers financial services.Based on a combination of government and market point of view, from the theory, situation, learn, expand research in four areas countermeasures. Firstly, the theoretical part of the meaning of inclusive financial system in-depth explanation, combined with relevant literature review, history of philosophy and practice development combing inclusive financial system, and to explore the financial system from the research related to the theory of inclusive finance Effective border issues in government and market reform; secondly, through the analysis are summarized in recent years to explore the practice of inclusive financial system, identify our problems of inclusive financial system from the micro, meso and macro three levels; then, drawing typical pattern developing and developed countries inclusive finance, analyze the characteristics and applicability of these models; and finally, the design of the architecture of inclusive financial system, and for the construction of an inclusive financial system, from the micro, meso and macro proposes three levels corresponding countermeasures.