Inclusive finance, is that you and me?

No. According to Xicai.com's inquiry, inclusive finance is a financial business model aimed at promoting financial universality and popularizing financial services. It is not aimed at you or me, but mainly at people who are unwilling or unable to serve by traditional financial institutions, such as low-income groups, small and micro enterprises and farmers. These people usually have difficulty in obtaining traditional financial services because of lack of collateral, insufficient credit history and small transaction scale.