Problems in the Development of inclusive finance in Pingjiang County

The financial infrastructure is not perfect. The construction of social credit system lags behind, and there is no perfect personal credit information. It is difficult for banks to judge risks, so it is more difficult for small and micro enterprises to raise funds. The distribution of bank outlets and non-cash settlement tools is not balanced enough. Due to the large investment and slow income of some settlement instruments, financial institutions are unwilling to promote them widely, especially in rural areas, which restricts the development of rural payment business. Inclusive finance refers to providing financial services at affordable cost according to the requirements of equal opportunities and the principle of business sustainability.