郝晋辉，Jerry was born in Taiwan and educated in USA and China. He had B.S in Math subject, M.S in Actuarial science and Computer science, PHD in Economics.Prior to studying China Xiamen UniversityEconomics PHD, he had the professionalconsulting and auditing experience in PwC (New York City, USA) and KPMG (Beijing, China). Currently, his research areas in Xiamen University are including but not limit to Finance Inclusion, South East Asia regional integration, Environment Economics, Law Economics, China Overseas investment (M&A) and Finance Technology.

Chapter 1 Introduction
1.1 Topic Selection Background
1.2 Research Significance
1.3 Definition of Related Concepts
1.4 Aims of this Study
1.5 Methodology
1.6 Innovation and Deficiencies
1.7 Literature Review
Chapter 2 Theories and Indicator System of the Study on the
Sustainability of Inclusive Finance
2.1 Theories Regarding the Sustainability of Inclusive Finance
2.2 Inclusive Finance System Framework
2.3 Indicator System of Inclusive Finance
2.4 Summary of the Framework of Inclusive Finance's Sustainability
Chapter 3 A General Introduction to the Inclusive Finance in China
3.1 Developmental Situation of Inclusive Finance in China
3.2 Financial Sustainability of Providers of Inclusive Financial
Services in China
3.3 Financial Sustainability of Demanders of Inclusive Financial
Services in China
3.4 External Driving Forces of Inclusive Financial Development
in China
3.5 Internal Driving Forces of Inclusive Financial Development
in China
3.6 Summary
Chapter 4 Sustainability of Inclusive Finance in China
4.1 Special Background of the Sustainability of Inclusive Finance
in China. Urban-rural Dual Structure
4.2 Sustainability of Inclusive Finance in China's Process of
Urbanization
4.3 Advantages in China' s Inclusive Finance.. Late-mover Advantages
with the Development of Information Technology
4.4 Existing Problems in China's Inclusive Financial System
4.5 Summary
Chapter 5 Model Construction and Empirical Analysis
5.1 Definition of the Sustainability of Inclusive Financial Institution
5.2 Model Construction
5.3 Empirical Analysis
5.4 Summary
Chapter 6 Comparative Study on the Inclusive Finance in
Indonesia and the Philippines
6.1 Development of Inclusive Finance in Indonesia
6.2 Development of Inclusive Finance in the Philippines
6.3 Path Selection: Drawing Lesson from Indonesia and the
Philippines
Chapter 7 Conclusion and Suggestions
7.1 Sustainability of Inclusive Finance under China's Specific
National Conditions
7.2 Suggestions
7.3 Outlook
Bibliography

本书研究中国的普惠金融发展及其可持续性，勾勒中国普惠金融在城乡二元结构背景下及中国城市化进程中可持续性的特点和作用。普惠金融有其内部的本质冲突，既有金融的功利性又要有普惠平民百姓的平等性。如何在科技金融的帮助下，平衡二边的对立，也是研究的重点之一。