TowardUniversalFinancialInclusioninChinaModels,Challenges,andGlobalLessonsTowardUniversalFinancialInclusioninChinaModels,Challenges,andGlobalLessonsFebruary2018?2018InternationalBankforReconstructionandDevelopment/TheWorldBankGroup1818HStreetNWWashingtonDC20433Telephone:202-473-1000Internet:www.worldbank.orgDISCLAIMERThisworkisaproductofthestaffofTheWorldBankGroup.Thefindings,interpretations,andconclusionsexpressedinthisworkdonotnecessarilyreflecttheviewsofTheWorldBankGroup,itsBoardofExecutiveDirectors,orthegovernmentstheyrepresent.TheWorldBankGroupdoesnotguaranteetheaccuracyofthedataincludedinthiswork.Theboundaries,colors,denominations,andotherinformationshownonanymapinthisworkdonotimplyanyjudgmentonthepartofTheWorldBankGroupconcerningthelegalstatusofanyterritoryortheendorsementoracceptanceofsuchboundaries.R