An Investigation Into The Operation Of Japan's Pension Syste

Chongqing’s economy has developed rapidly in recent years,and its economy is expanding constantly.inclusive finance has also achieved some development,but overall,it still faces the problem of uneven development.This paper takes Chongqing Rural Commercial Bank as the research object,emphatically analyzes the problems existing in its inclusive finance development,and provides suggestions for further promoting the coordination and integrity of inclusive finance’s development.Firstly,the paper combs the development concept and historical evolution of inclusive finance through literature.Then,it analyzes the development status of Chongqing rural commercial bank in inclusive finance,including the general situation of Chongqing rural commercial bank,its policy advantages and basic advantages of inclusive finance function,and explains the business categories,business models and business results of Chongqing rural commercial bank in inclusive finance.On this basis,the paper analyzes the problems that Chongqing Rural Commercial Bank faces in the development of inclusive finance.It is found that Chongqing Rural Commercial Bank currently has some problems,such as weak promotion in inclusive finance,high product risk coefficient in inclusive finance,insufficient competition ability of products and services in inclusive finance,low permeability of online inclusive finance,etc.Then,based on the problem-oriented,taking Chongqing as the research sample,using the development-related data of inclusive finance in all districts and counties of Chongqing from 2010 to 2021,this paper constructs the development evaluation index of inclusive finance,evaluates the development of inclusive finance in Chongqing,and analyzes the influencing factors of inclusive finance’s development based on the evaluation results.The results show that there is a certain imbalance in the development level of inclusive finance in Chongqing,and there are great differences among counties and districts.As for the influencing factors of inclusive finance’s development,Chongqing municipality’s own inclusive finance has the highest development level.Macroeconomic environment,government support policies and financial scale are the main factors that affect the development level of inclusive finance in Chongqing municipality.In recent years,other districts and counties with better development in inclusive finance are all around the municipal districts,among which policy support is the main driving force to promote the development of local inclusive finance.The development of inclusive finance in the eastern part of Chongqing municipality is not good.Besides strengthening the economic development level and policy support,the construction of information and transportation infrastructure can also improve the development level of inclusive finance.Finally,based on the research conclusions,the corresponding policy suggestions are put forward from three aspects: promoting the improvement of rural inclusive financial system,optimizing the service system in inclusive finance,and building the risk prevention framework in inclusive finance.