Study On The Construction Of Rural Inclusive Financial Service System In Jilin Province

With the development of China's financial system,there are more and more drawbacks.Many state-owned banks and small and medium-sized banks have seized the financial services sector of large and medium-sized enterprises,while neglecting the service to small and micro enterprises and vulnerable farmers.From this perspective,it is very urgent to improve the rural inclusive financial service system and explore the development path for small and micro-fields and vulnerable groups.This paper first expounds the research background and research significance of this topic,reviews the research status at home and abroad,introduces the research process of the inclusive financial service system,and expounds the main methods used in the paper and the innovation and inadequacies of the paper.Next,the basic concepts and related basic theories of the inclusive financial service system are introduced.Then it analyzes the current situation of rural finance in Jilin Province from the aspects of supply and demand.At the same time,it analyzes the relevant data of 48 cities and counties in Jilin Province in 2017,and measures the development level of rural inclusive finance in Jilin Province.Then it analyzes the influencing factors of the development level of rural inclusive finance in Jilin Province from three aspects: personal characteristic factors,institutional environmental factors and social environmental factors.The following seven variables are selected: urbanization rate,informationization level,financial development efficiency,employment level.The urban-rural income gap,the regional economic development level,and the degree of government regulation,at the same time,it is concluded that the urbanization rate and the degree of government regulation are the main factors affecting the development level of rural inclusive finance in Jilin Province.Finally,the countermeasures for promoting the construction of the inclusive financial service system in Jilin Province are put forward from the micro level,the middle level and the macro level.