Inclusive finance is absorption and abandon to traditional commercial finance. As practical subject

how to find out development way of inclusive finance to realize the last step of inclusive finance is very important. Business limitation of inclusive finance is obscure because of lack of intensive finance research frame structure which leads to the variation of intensive finance. One variation is combination with financial relief and transfer payment which leads to lack of efficiency and commercial sustainability. The other one is combination with usurious loan and private lending which leads to noninclusive finance even financial poverty. This paper raises up platform plus product mode based on intensive finance theories. This is innovation to relationship between components

dynamic mechanism and factors. Through government credit

marketization operation

bank loan and innovation of marketing and techniques

requirements of financial service are reduced and the last step of intensive finance is realized. We hope this can be the practical guide of intensive finance.