| In recent years,governments at all levels have been continuously and thoroughly implementing the decisions and arrangements of the central economic work conference,persisting in taking economic construction as the central task,taking stability as the first priority,seeking progress while maintaining stability,and doing a good job in the work of "six stability" and "six guarantees".However,at present,China’s individual industrial and commercial households and small,medium and micro enterprises,especially in the context of the worsening global epidemic,still face great difficulties.The government and the state-owned holding commercial banks under its leadership should be market-oriented,protect the main body of the market,cope with the new downward pressure of the economy,and strengthen financial support for small and medium-sized enterprises and individual industrial and commercial households.Under the guidance of the government,how different types of financial institutions effectively participate in social governance and continuously promote the improvement of social governance has become an important theoretical and practical topic.This paper defines or sorts out the concepts and theories of social governance,inclusive finance,stakeholders,and collaborative governance theory,and describes the applicability of the relevant concepts and theories to the research on the implementation of Inclusive Finance enabled social governance policies by state-owned holding commercial banks,laying a theoretical foundation.In 2019,the COVID-19 epidemic suddenly broke out.Inclusive Finance was affected by multiple international and domestic factors,and encountered many unexpected challenges and difficulties in its development process.All financial institutions should actively assume social responsibilities and conscientiously implement various government financial support policies;All sectors of society should make concerted efforts to promote the healthy development of Inclusive Finance.This paper summarizes the implementation of a series of inclusive financial empowerment social governance policies by state-owned holding commercial banks through literature research,case study and interview methods,and finds that there are also a series of problems,such as: the implementation of the policy implementation subject is not strong,standardized and flexible enough;The supervision and guarantee mechanism needs to be improved,and the coordinated governance in the process of multi sector participation in inclusive financial development is insufficient;It is difficult to balance the self-interest of state-owned holding commercial banks and their participation in social governance.Finally,the article proposes that state-owned holding commercial banks should continue to conscientiously implement the decisions and arrangements of the Party Central Committee and the State Council on financial services to the real economy,take serving private small and micro enterprises,agriculture,rural areas and farmers,and optimizing the business environment as political guidance,effectively increase support and guarantee for key areas of Inclusive Finance,follow the development path of customer-centered,technology driven,and scenario based,We are committed to providing more quality and comprehensive financial services for inclusive financial customers.State controlled commercial banks should adhere to a pragmatic style,grasp the macro,serve the entity,stick to the bottom line,improve their professional level,enhance their professional level,and seriously run their own affairs. |
