本书基于理论与实践的演进视角构建农村金融排斥向包容转换的逻辑分析框架。建立数理模型阐释农村金融排斥向包容转换的机理，建立综合性的农村金融包容指数，定量测度农村金融包容水平及区域差异，从供给诱导、需求引致、社会环境三个层面分析农村金融包容的影响因素，实证检验农村金融包容性发展的经济增长、收入分配及福利改善效应。本书在一定程度上拓展了农村金融的研究深度，促进了农村金融包容理论的发展，也有助于认识中国农村金融转型发展的内在规律。

Based on the evolutionary perspectives of theory and practice, this book constructs a logical analysis framework for the transformation of rural financial exclusion to inclusion. A mathematical model was established to explain the mechanism of the transformation of rural financial exclusion to inclusion, a comprehensive rural financial inclusion index was established, the level of rural financial inclusion and regional differences were quantitatively measured, and the influencing factors of rural financial inclusion were analyzed from the three levels of supply induction, demand induced and social environment, so as to empirically test the economic growth, income distribution and welfare improvement effects of rural financial inclusive development. To a certain extent, this book expands the depth of research on rural finance, promotes the development of rural financial inclusion theory, and also helps to understand the internal law of China's rural financial transformation and development.（AI翻译）

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