Dynamic analysis of savings rate before and after the implementation of China's inclusive finance policy

As an important strategy for inclusive development of the global financial system, inclusive finance has become a core tool for promoting social equity and sustainable economic growth in China since its implementation in 2016. In this process, the savings rate, as a key indicator for measuring residents' financial behavior and economic resilience, has become an important window for observing policy effects. Based on this, this article conducts research on the dynamic changes of savings rate before and after the implementation of inclusive finance policies. Firstly, the dynamic relationship between inclusive finance policies and savings rates is analyzed, which is manifested in the dynamic transformation from "cash savings" to "diversified allocation", the "first suppression and then stabilization" of precautionary savings, and the "savings differentiation" between urban and rural areas and social classes. Finally, based on the analysis results, research suggestions were proposed to strengthen the depth of rural financial services, optimize the combination of inclusive financial tools, deepen the popularization of financial education, and improve policy feedback adjustment mechanisms.