According to the requirement of equal opportunity and the principle of sustainable business, inclusive finance strengthens the construction of financial system and improves financial infrastructure by increasing policy guidance and support, and provides appropriate and effective financial services to all social strata and groups with financial service needs at an affordable cost.

At present, although the international community has made some achievements in developing inclusive finance, there are still some shortcomings. According to the World Bank's estimation, in 20 14 years, about 2 billion adults still do not enjoy the most basic financial services.

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Inclusive finance attaches importance to poverty eradication and social equity, but this does not mean that inclusive finance is a public welfare activity aimed at low-income people. Pan Guangwei, secretary of the Party Committee of China Banking Association, pointed out that inclusive finance is not charity and aid, but helping the beneficiary groups to improve their hematopoietic function. We should adhere to the principle of commercial sustainability, adhere to the combination of marketization and policy support, establish and improve the incentive and restraint mechanism to ensure sustainable development.

Inclusive finance needs to pay attention to the principle of marketization. In the process of developing inclusive finance, we should not only meet the needs of more groups, but also benefit the suppliers reasonably.

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Baidu Baike Puhui Finance