Inclusive finance aims at solving financial exclusion problems to narrow the gap between the rich and poor gradually. Petty loan institutions as basic link of inclusive finance system are facing institutional bottleneck after rapid expansion. The social performance and location in inclusive finance of petty loan institutions need quantitative inspection as policy basis. This paper learns from United Nations Human Development Index to construct development index of inclusive finance using index methods to create inclusive finance index system to measure development level of inclusive finance by quantitative analysis. Then

we discuss petty loan institutions’ influence on intensive finance based on this. The results reflect that when petty loan companies expand business scope

improve inner management level and increase loan scale

it has positive influence on the development inclusive finance. Meanwhile

when petty loan companies expand business scope

improve support to agriculture

rural areas

and rural residents

it is helpful to improve finance service coverage level; when petty loan companies drive interest rates lower

increase the proportion of short-term loan

it is benefit to improve use-cost of finance service.