Research On The Supply And Demand Of Inclusive Finance For The Disabled In Beijing

Inclusive Finance is based on equality of opportunity and business sustainable principles focus on vulnerable groups of financial availability, coverage and financial convenience. Because China is a large agricultural country, rural financial research has always been the focus of attention, so often ignore the phenomenon of urban internal group financial exclusion, especially in disadvantaged groups. The disabled group is one of the core of the financial system, their demand for financial services determines action of various aspects of the financial system, and a national disabled persons welfare level reflects the degree of civilization of a country, an industry level service for the disabled reflects the the industry to fulfill the social responsibility of the enterprise level. At the same time, according to our country in 2006 the second national people with disabilities survey data show that the total number of disabled persons in China nearly 83 million, accounting for 6.34% of the total population. Compared with the first national sample survey after 1987, the total number of disabled population is increasing, and the proportion of disability increases. Based on this, this study mainly discusses Beijing disabled groups of inclusive financial problems of supply and demand, to enrich the groups of persons with disabilities Inclusive Finance related research and other aspects in advocating the right based on the "new concept of the disabled", the tradition of the disabled "special groups" identity gradually transition to the identity of the real ordinary citizens "special groups" knowledge understanding of, let the disabled group inclusive financial services implemented.Through interview and questionnaire survey, this study conducted field research in Chaoyang District, Shijingshan District and Beijing in Xicheng District City, and obtained 257 valid questionnaires, and the data were analyzed statistically. The main conclusions of the study are:(1) the financial services needs of disabled are mainly concentrated in barrier free services, financial knowledge and the basic business, but demand before the two meet rates were only 59.6% and 57.1%, basic business needs meet the highest rate, reached 83.8%. The loan demand and insurance needs of the disabled are relatively low, and their demand satisfaction rate is lower than 50%.(2) the demand structure of all kinds of financial services for the disabled.(3) Based on single factor analysis and multi factor analysis, the influence of gender, age, educational level, income and disability category on the financial services of the disabled was investigated.(4) the innovation practice of barrier free services, financial knowledge and the basic business supply and American community bank, ICICI bank reference inclusive financial services, combined with interviews and questionnaire survey results, put forward to improve measure of disability inclusive finance construction, mainly from the deepening of barrier free service, increase financial knowledge popularization intensity and breadth, improve services based on business model and innovative credit and other financial products and perfect multi-level insurance system in five aspects. Research innovation is that the study of the disabled has been in a neglected area, one is the lack of relevant data support, empirical analysis is less, the two is the lack of relevant theoretical support. And this study intends to by China Banking Regulatory Commission, China Banking Association and the China Disabled Persons Federation and other channels, by way of interview and questionnaire survey to obtain first-hand information on the Beijing Disabled inclusive financial supply and demand situation, focusing on disability inclusive finance research. This is ever less studies can be considered. And this research is limited to the financial needs of the people with disabilities can not fully grasp the financial needs, and the sample size of the survey is less, the lack of data. Future research should expand the sample size, and further to the inner city of other groups and groups of persons with disabilities in the financial services comparative analysis, and the research scope to expand to other cities. In contrast found in Beijing and other cities for the disabled the commonness and personality problems, the Beijing Disabled supply and demand research can play a reference role for the national disabled.