Measure Research Of Inclusive Finance Based On Regional Differences Perspective

The Concept of "inclusive finance" started from the year of 2005,when the United Nations promoted microcredit.One of the difference between the traditional financial and inclusive finance is that inclusive finance is committed to building a financial system which could serve all social strata effectively and comprehensively.Since the conception was proposed,it received the attention from all aspects.After 10 years of development,the connotation of inclusive financial is deepening and the coverage continuing is broadening.From the initial micro-credit to microfinance,inclusive finance builds a finance system which covers payment,remittances,loans,insurance,and investment.Since 20 century 90 years,with the rise of nonprofit microcredit,inclusive finance in China have gone through micro-credit,micro-finance,and become an integrated inclusive financial system.With the internet finance quickly sweeping the country,it also injects new impetus to the development of inclusive finance.The development of inclusive finance can offer the poor and small as well as medium-size enterprise better service,who suffer exclusion from traditional financial system,while is contributes to reducing poverty,promoting the efficient allocation of resources,and achieving equitable,healthy as well as sustainable economic development.First of all,the paper tries to explain connotation and characteristics of inclusive finance,and reviews the development of inclusive financial theory and practice course.Secondly,from financial penetration,financial services availability,as well as the use of financial resources three perspectives,based on four major economic regions,the paper analyzes development of inclusive finance in China’s 31 provinces,and further postulates the reasons for the significant difference.Then Based on factor analysis,the paper uses 11 indicators to build inclusive financial development index,then scores and ranks China’s 31 provinces,from Comprehensive financial strength,credit strength and per capita strength three aspects.According to the results,the paper explores various factors and effect extent for the inclusive finance in multiple regression analysis.Finally,on the basis of qualitative and quantitative analysis,the paper makes some suggestions to promote the regional inclusive financial coordinated,balanced development.