Policy Implementation Study On Inclusive Finance Support For Small And Micro Enterprises

Micro and small enterprises are both the driving force of the national economy and the most dynamic economic agents in the market economy,playing a pivotal role in stabilizing growth,safeguarding employment and promoting innovation.After the new crown pneumonia epidemic,there are greater difficulties in the production and operation of small and micro enterprises.In order to stabilize hundreds of millions of market players,the national and local governments have introduced a number of special policies and preferential terms for the development of inclusive finance,which have played an important role in the development of small and micro enterprises.However,with the superposition of China’s economic downward pressure and unstable market expectations,the actual implementation of inclusive financial policies has shown a poor sense of access to policies,weak implementation of the executive agencies,insufficient participation of target groups,and an unsatisfactory external environment,and the phenomenon of "policies from above and countermeasures from below".The "deformation" of the policy implementation has become more and more serious,which seriously defeats the original purpose of the national policy,hinders the healthy development of micro and small enterprises,and poses a challenge to the advancement of the modernization of the national governance system and governance capacity.In view of this,this paper takes the process of inclusive financial policy implementation as the focus of research,based on Smith’s policy implementation theory,takes L County’s micro and small enterprises as the research sample,analyzes in depth the practices,characteristics,and effectiveness of L County’s inclusive financial policy promotion through a wider range of interviews and questionnaires,and summarizes four problems in the implementation process of inclusive financial policy in L County:poor access to inclusive financial policy The reasons for the problems in the implementation process are analyzed from the imperfect system of inclusive financial policies,the deviation of behavior due to the interests of the implementation subjects,the asymmetry of information communication that hinders the implementation of policies,and the lack of science in the construction of policy regulation and legalization.Based on the analysis of the problems and causes,the optimization path of inclusive financial policy implementation is further clarified:strengthening the top-level design of policies,enhancing the leadership construction of implementing agencies,strengthening the management of target groups themselves and optimizing the external environment of policy implementation.The research in this paper has certain guiding and reference significance to enhance the implementation of inclusive financial policies in L County and the implementation of inclusive financial policies in other regions,which helps to promote the implementation of inclusive financial policies by county governments,guide China’s inclusive finance development to a higher level,and enhance social equity and social harmony.