According to the survey of Tuhua Education, inclusive finance refers to providing appropriate and effective financial services to all social classes and groups with financial services needs at an affordable cost according to the requirements of equal opportunities and the principle of sustainable management. Special groups such as small and micro enterprises, farmers, urban low-income people, poor people, the disabled and the elderly are the key service targets in inclusive finance. Vigorously developing inclusive finance is an inevitable requirement for China to build a well-off society in an all-round way, which is conducive to promoting the sustained and balanced development of the financial industry, promoting mass entrepreneurship and innovation, boosting the transformation and upgrading of economic development mode, and enhancing social equity and social harmony. Compared with other financial services, inclusive finance has three characteristics: First, it serves a wider range of people, including low-and middle-income groups, small private enterprises, poor and remote areas; Second, there are many service providers, including banking financial institutions, non-bank financial institutions, internet financial enterprises, social non-governmental organizations and other institutions; Third, the total number of customers is large, and the scale of a single business is small, which has obvious agglomeration effect and can be regarded as an extension of microfinance and microfinance.