Inclusive finance regards financing as a right for small and medium-sized enterprises to develop and believes the right should be protected through the establishment of an inclusive financial system. From the practical point of view

there are three ways to develop the inclusive finance. Firstly

the current financial system should play its due role and the SME financing and other financial services should be expanded through the development and improvement of banking and financial markets. Secondly

financial innovation is a necessity for establishing financing mode that is suitable for the characteristics of small and medium-sized enterprises and solving the problems of the asymmetric information

mortgage shortage and high-cost of the transaction. Finally

it is necessary to bring into government’s role of intervention so as to solve the difficult problems of information gap and the coordination of collective action in the market.