There is a complex relationship between financial inclusion and financial stability. In order to explore the relationship between them, this paper proposes a mechanism by which foreign trade affects financial inclusion through financial stability and uses fixed effects analysis and time-variant analysis of variance for the results. Four different criteria were used: GNI per capita, GDP per capita, life expectancy, and infant mortality. The experimental results show that to achieve financial inclusion, policymakers should consider improving foreign trade flows, rational allocation of foreign exchange reserves, and improving credit markets to a certain extent.