Research On The Implementation Of Inclusive Financial Policy In Chongqing

The development of inclusive finance is the key content of the current supply-side structural reform of the financial industry.It is of great significance to enhance the financial service capacity of the real economy and improve the financial availability of small and micro businesses,poor people and other vulnerable groups.In January 2016,The State Council issued the development plan for promoting inclusive finance(2016-2020),which determined the development strategy of inclusive finance in China from the national level.The party central committee and The State Council attach great importance to the development of inclusive finance,and various ministries and commissions have issued a series of relevant policies.The active top-down promotion of the state has made inclusive finance develop rapidly in China.Chongqing government and departments at all levels also actively responded to the national policies and worked together to promote the implementation of policies,achieving initial results in the development of inclusive finance.This paper takes the implementation of inclusive financial policy in Chongqing as the research object.The literature analysis method,model analysis method and the method combining theory with practice were adopted for the research.By using Smith's policy implementation process model,this paper analyzes the status quo of implementing inclusive financial policy in Chongqing from four dimensions of idealized policy,executing agency,target group and policy implementation environment,and discusses the specific factors that affect the implementation effect of the policy.Based on the analysis of the implementation problems and their causes,the paper puts forward corresponding improvement Suggestions,hoping to provide some inspiration for Chongqing and other areas to improve the implementation effect of inclusive financial policy.This paper is divided into five parts.The first part is the introduction,which mainly introduces the research background,research significance,previous research results,research methods and possible innovations of this paper.The second part is the analysis and theoretical elaboration of related concepts.This paper explains the concepts of inclusive finance and policy implementation,expounds the theory of inclusive finance and Smith's policy implementation process model,and explains the applicability of the model.The third part,starting from the four dimensions of Smith's policy implementation process model,analyzes the current situation of Chongqing's policy implementation.It is believed that after the development in recent years,the basic coverage of inclusive financial services in Chongqing has been expanding day by day,the credit availability of small and micro enterprises and farmers has been continuously improved,inclusive financial has achieved remarkable results in helping targeted poverty alleviation,and the quality and efficiency of inclusive financial services have been significantly improved with the help of Internet technology.The fourth part is about the problems and causes of the implementation of inclusive financial policy in Chongqing.Generally speaking,because inclusive finance has not been developed for a long time in China,the public's cognition of inclusive finance policy is insufficient?In Chongqing,there are problems such as insufficient implementation of policies,weak initiative of relevant departments and personnel in policy implementation,low participation of some financial institutions and key service groups,and imperfect financial infrastructure that restricts the development of inclusive finance.According to the paper,the main reasons for the above problems are that the current financial inclusive policy system in Chongqing is not perfect enough,the implementors have cognitive deviation on policies and lack of supervision and assessment in the implementation of policies,the target group of policy implementation is deeply affected by traditional ideas,and the financial infrastructure construction is relatively difficult.The fifth part is countermeasures and Suggestions.To improve the implementation effect of inclusive financial policy in Chongqing,supporting policies need to be further strengthened.Measures should be taken to improve the policy implementation ability of the implementing agencies and personnel through reasonable and clear division of tasks,establishment of supervision and assessment mechanism,etc.Inclusive financial education should be widely carried out to improve the policy identity and participation of target groups.It is also necessary to further optimize the ecological environment of inclusive finance.