Inclusive finance can help rural low-income groups, township small and microenterprises, and other groups in China to improve their living and economic standards and can meet the relevant credit needs of relevant rural personnel under the condition of risk prevention. The integration of AI and HP finance has built a more professional information and data platform for customers with different credit needs in the agricultural economy. Based on the development and integration of agricultural economy, this study makes effective analysis and judgment on poor customers with credit needs through the artificial intelligence system platform under the application of inclusive finance, so as to scientifically and effectively identify and screen the big data of different credit data of customers and finally select the most qualified high-quality credit customers, so as to effectively improve the overall economic income of customers with agricultural credit needs. It has laid a foundation for the development of agricultural economy and more effectively extracting high-quality credit customers, so that the development of agricultural economy has been widely used.