The inclusive financial evaluation system constructed in this report consists of 3 prime indicators include availability，usage，and service quality，and 13 secondary indicators include internet basic resources index，small and micro enterprise loan acquisition rate，and etc.，it measures that inclusive financial development index in Shandong Province in 2018 is 0.322072，ranking the 8th in China. According to the results of the inclusive financial evaluation system，we find that there are some problems need to be solved in the development of inclusive finance in Shandong Province，such as the banking system’s support for inclusive finance needs to be improved，the inclusive role of the insurance industry is difficult to play，the application of financial technology in the digital economy is insufficient，the service quality of financial institutions and residents’ financial literacy need to be improved，etc. In response to these problems，this report proposes suggestions such as giving full play to the role of the “leading goose” in the banking industry，giving full play to insurance and security advantages to strengthen fiscal weaknesses，vigorously develop digital inclusive finance based on financial technology，improving the service quality of financial institutions，and actively exerting inclusive financial function of the capital market.