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With the development of the world economy, under the economic globalization background, the development of China’s financial industry is facing many problems to be solved, especially the development of rural finance in China, is the key to the revitalization of China, the development of the financial industry in rural areas, the financial markets of late start, less experience, strength is weak, especially at the base financial markets and the financial regulatory system has not yet mature, the whole system construction is facing difficulties. This makes the rural financial development is often affected by the Financial Exclusion, rural current whole suffered serious financial exclusion, is mainly due to the uneven distribution of rural finance, resulting in low density and so on, which not only leads to financial development in rural areas is not balanced; the same time, the rural financial exclusion can restrain rural economic growth in a certain extent, thus affecting the increase the income of rural China in several major aspects of economic, financial, and social development, increasing rural income inequality, influencing factors of urban-rural income gap, serious impact on the construction of a harmonious socialist new countryside.So far, China’s financial market is still a lack of standard, less mature market, compared with the developed countries far apart, this study is the urgent need to address the problem of Rural Financial Exclusion, constructed from the rural financial development to the rural economic structure, and its impact on the market, the research to the its impact on the income gap between urban and rural areas, based on the rural financial development, rural financial development status in Jiangsu province and the present situation of Financial Exclusion in rural area of Jiangsu Province, through the analysis of a large number of data, master the related data, and establish the empirical model, using data analysis method, comparison method etc. cooperative means, follow the rural financial system construction, how to build, how and why the ideas of the construction of Chinese Rural Financial Exclusion, solve problems and provide good suggestions and opinions, The article is divided into five parts, from theory to practice, from difficult to measure, through the summary of rural financial institutions in the financial exclusion of all kinds of problem under the condition of existence, the key problems and the income gap between urban and rural relationship, income of urban and rural residents and the influence, from the current research situation of the rural financial development in Jiangsu Province, and urban and rural income in the Rural Financial Exclusion case problems, and the causes of these problems, the level of rural financial service countermeasures and opinions, in the premise of perfect development of inclusive financial services in rural areas, strengthen the rural development of electronic financial services, strengthen government guidance and policy support, and actively play a role in regulating the market and optimize the allocation of financial resources, establish and perfect the rural financial system and development environment. At the same time, the author deeply explores solutions to the importance and the necessity of the current rural financial conflicts, to determine the importance of rural financial exclusion problem in actual research.
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