A Study On Sustainable Development Of Inclusive Finance Of Rural Areas In China

Since 2005,the domestic supervision organizations,theory field and practice have carried out research on inclusive finance gradually,at the same time,and made the advance of the financial system and the financial service function as the strategic focus of financial reform and development,the development of inclusive finance in China has experienced three stages form micro-credit,micro-finance to the inclusive finance,and nowadays creative internet finance.After the exploration and development more than ten years,the development of rural areas inclusive finance in our country is remarkable.Traditional financial needs in rural areas have been met and gradually transformed into a new demand structure.Rural inclusive financial institutions has witness a comprehensive development,the new financial institutions that adapted to rural areas financial needs continued to grow,the internal reforms of financial institutions progressed steadily as well and sustainable development was achieved.Rural inclusive financial services improved in all aspects,and agriculture-related loans grew significantly,The rural financial service products continue to innovate;the payment system and rural credit system have gradually improved.However,as China's inclusive financial development continues to deepen,its scale is large,its scope of influence is wide,and its time span is long.Problems in development practice are also becoming more and more prominent.New challenges and constraints have become the current stage of development in rural areas in China.The problems that need to be solved by inclusive finance.Taking this as a starting point,this paper studies the basic theories of developing inclusive financial in rural areas,including the theoretical basis of inclusive finance in rural areas,the connotation,main content,and significance of inclusive finance.It analyzes and summarizes the development history and status of China's rural inclusive finance,and summarizes the problems and challenges in the development of China's rural inclusive finance from the three perspectives of participants,market environment,and government laws and regulations.Based on this,it is pointed out that the further development direction of China's rural inclusive finance lies in persisting in providing rural areas with inclusive financial services that suit the basic needs of farmers,enhancing the capacity for sustainable development of rural inclusive financial institutions,and giving full play to the government in rural areas.