Research On The Implementation Of Inclusive Financial Policy Of Commercial Banks

In order to realize the basic requirements of socialism with Chinese characteristics for the common prosperity of all people,fully implement the relevant policies of targeted poverty alleviation and targeted poverty alleviation of the country,and ensure that the people of the whole country can share the fruits of national prosperity and development,the central government has put forward a new financial model-inclusive finance.The main service objects of inclusive finance are low-income people,farmers,small and micro enterprises,etc.The mismatch between their income and risk has led to difficulties in the development of inclusive finance,which requires the active implementation and support of various implementing entities,including commercial banks.Commercial banks,as the main practitioners and promoters of inclusive financial policies,focus on the two key tasks of "universal" and "preferential",and assume the role of lubricant for fund providers and service providers.As the tier-one branch of a large state-owned commercial bank in first-tier cities,Bank A Shanghai Branch has been actively implementing the national inclusive financial policy for many years and has accumulated some experience.However,with the development and implementation of inclusive financial policy,there are also some difficulties and challenges.Based on the Smith policy implementation process model,this paper conducts targeted interviews with the management,employees and small and micro enterprise customers of Bank A Shanghai Branch,specifically understands the current customer satisfaction with the policy and the bottleneck problems encountered by Bank A Shanghai Branch in implementing the inclusive financial policy,and puts forward corresponding optimization suggestions from the four aspects of idealization policy,implementation agency,target group and environmental factors.In the process of implementing inclusive finance,Bank A Shanghai Branch is mainly faced with such problems as insufficient policy coverage,insufficient internal inclusive marketing motivation,incomplete provision of new questions for target groups,and lack of environmental conditions for policy implementation.The main reasons are that the policy and legal system is not sound,risks and assessment are not matched,the comprehensive ability of target customers’ small and micro enterprises is weak,the cooperation of institutions is poor,and the digital environment needs to be further strengthened.Through literature review,policy research,interviews with experts and other means,this paper puts forward the following suggestions: Bank A should actively promote the construction of national inclusive policies and laws,continue to optimize the internal inclusive financial management mechanism,strengthen the guidance and promotion of financial awareness of target groups,strengthen data exchange,etc.,to provide assistance for Bank A Shanghai Branch to better implement inclusive financial policies,and explore new ideas for commercial banks to implement inclusive financial policies The new model will support the sustained and healthy development of the national inclusive financial policy.