The Government Promotes The Study Of Problems In The Implementation Of The Inclusive Financial Policy

At the third plenary session of the 18 th central committee of the communist party of China(CPC)in 2013,the development of inclusive finance was included in the party's resolution.In July 2017,at the national financial work conference,General Secretary Xi Jinping again proposed to build a sound inclusive financial system,improve the service level of inclusive finance and expand the scope of inclusive financial services,which has become an important task of China's financial reform.Inclusive finance has the attribute of quasi-public goods,and the effective allocation of financial resources cannot be realized only by market mechanism.The demand for inclusive finance services is far greater than the supply,and it is difficult to cover vulnerable groups such as low income groups and small and micro enterprises.Therefore,the government needs to solve the problem of market failure through reasonable intervention.The government plays an important role.The government is not only the promoter of the implementation of inclusive finance policy,but also the regulator.At present,researches on inclusive finance at home and abroad can be divided into two parts: macro and micro.Macro researches mainly focus on the concept of inclusive finance and the role of government in the development of inclusive finance.Microcosmic research focuses on the supply and demand of small and micro credit resources,financial poverty alleviation and other aspects.From the perspective of the government,through the questionnaire survey and interview survey on vulnerable groups of inclusive finance in R city,this paper summarizes the problems existing in the implementation of the government's policy of promoting inclusive finance,which are universal.Taking R municipal government as an example,the study is also a supplement to the current macro-research on inclusive finance.Therefore,it is of great significance for this paper to study the implementation of policies to promote inclusive finance from the perspective of the government.Taking the R city as an example,first of all,the research on the development process of the R city government's implementation of the inclusive financial policy is investigated,the specific work done by the relevant functional departments is analyzed,and the current situation of the R city government's implementation of the inclusive financial policy is analyzed.And then through the analysis of the results of questionnaire and interview survey,find out the current problems in the government push Pratt &Whitney financial policy,rural financial supply cannot meet the needs of the Pratt &Whitney policy,government's limited governance of inclusive financial dishonesty,the government is difficult to effectively arouse the enthusiasm of banking financial institutions,Pratt &Whitney financial financing model isrelatively single four questions.Based on the theory of market failure and collaborative governance,this paper analyzes the causes of existing problems and puts forward reasonable solutions.Second,the government should strengthen the construction of the inclusive finance credit system,constantly improve the laws and regulations and the credit investigation system,and strengthen the sharing of credit information and the coverage of joint punishment.Third,the government should give full play to the incentive role of fiscal and tax policies,formulate scientific and reasonable assessment indicators,and improve the risk-sharing mechanism of inclusive finance.Fourth,we need to strengthen multi-sectoral collaborative governance,introduce the Internet and big data,and innovate cooperation models for financial inclusion.