Research On Optimization Of J City Government’s Inclusive Financial Support Policies

The report of the 20 th Congress of the Communist Party of China pointed out that "Chinese modernization is the modernization of common prosperity for all people".Accelerating the construction of an inclusive financial system is of great significance in building a dualcirculation development pattern at home and abroad and promoting the priority development of agriculture and rural areas.Since small and medium-sized enterprises and low-income groups in China are generally facing difficulties in financing,from the perspective of government support,it is conducive to optimizing the supporting policy system for the development of inclusive finance and improving the financial infrastructure through the key role of "government with a purpose" in a timely manner,so that inclusive finance can serve the development of the real economy more effectively with the role of market mechanism.This thesis takes city J of China as a case study to analyze the policy support in the development of inclusive finance.The study finds that city J attaches great importance to the development of inclusive finance,introduces a series of policies and regulations,and carries out pilot work such as the pilot zone of science and innovation financial reform and new rural cooperative finance.However,there are also a series of policy support problems in the development of inclusive finance in J,mainly in the form of difficulties in implementing local inclusive financial support policies,insufficient support for rural areas in inclusive financial policies,and little support for financial innovation in existing policies.These problems are mainly due to the existence of policy barriers for private capital to enter the field of inclusive finance,the lack of policy guidance for rural financial services and the lack of policies to cultivate innovative talents in the field of inclusive finance.This thesis proposes countermeasures to improve the development of inclusive finance supported by J city government on the basis of the policy experience of domestic and foreign governments in supporting the development of inclusive finance.This paper suggests optimizing the content of inclusive financial support policies by broadening financing channels to introduce private capital,accelerating the investment and construction of rural financial infrastructure and promoting the construction of rural digital inclusive finance,improving the efficiency of inclusive financial policy implementation by optimizing the coordination mechanism for implementing inclusive financial policies in multiple departments,constructing a perfect incentive and assessment mechanism for inclusive finance and building a pool of inclusive financial talents,and improving the efficiency of inclusive financial policy implementation by enhancing the universal inclusive financial literacy and preventing and resolving financial risks in the field of inclusive finance to improve the external environment of inclusive financial policies.