In recent years, a number of countries have made remarked achievements which pioneered the exploration of the road in inclusive financial .China's current financial reform is trying to use the inclusive financial model to seek the effective solutions. This article mean to analyzes the Wen zhou and Shen zhen comprehensive reform pilot area of financial policy options, summarize the reform of the process of practice to the problems, and on the basis of the problem put forward the corresponding policy recommendations to provide a demonstration in other parts of the financial reform of our country and given some reference value.