A Research On The Development Of Inclusive Finance In Counties Of Bao Tou From The Perspective Of Public Management

In 2005,the United Nations first proposed inclusive finance in the year of"microfinance",and afterwards,inclusive finance has made great progress in Clina.At the third plenary session of the 18th CPC National Congress,inclusive finance was regarded as an important strategic decision of China.At the 19th National Congress of the Communist Party of China,the building of an inclusive financial system was the focus of development.Throughout the development process and current situation of inclusive finance in China,its development level has been gradually improved.In just a few decades,remarkable achievements have been made in China,where agriculture is dominant in a long period as a developing country.As a rapidly developing city in the central and western regions,the economic strength of Baotou has been increasing year by year,and considerable progress has been made in the development level of inclusive finance.However,compared with other cities and counties with high level of economic development,especially those in the developed eastern regions,there is still a large gap in the development level of inclusive finance.The inadequate development in inclusive finance in counties leads to the blank of financial services in parts of the county for a long time.Therefore,it is especially hard for such weak groups as the local poor farmers,nomads,and small micro agricultural enterprises to obtain effective financial services from financial institutions or they get the service at higher cost,which leads to the popularity of folk lending,financial rejection,and eventually more problems appeared like financial resources mismatch,social inequality,larger gap between rich and poor.The above situation will go against the financial market of the county and stable social development.In the new era,it has become an urgent requirement for the economic development of Baotou city to promote the development of inclusive finance in counties,to further narrow the income gap between urban and rural areas,and to realize the revitalization of rural areas.With the inclusive financial development in counties of Baotou as the research object the thesis introduces weak groups such as the "three aspects of agriculture",namely,agriculture,rural areas,and farmers,and small micro enterprises,and discusses the relationship between the financial development and the development of the inclusive finance in counties from the perspective of public management.The theory of public goods and public choice,and the change of government function,are used to analyze the existing shortcomings in the development of inclusive finance in counties of Baotou city,and issues are put forward like efficiency transformation an identity localization of the government in promoting the inclusive financial development in the counties.With Guyang county in Baotou as an example,based on the practice in the inclusive financial development in Guyang,the thesis analyzes the role played by the government,and the contributions and deficiencies in terms of the support in the development of the inclusive finance in the counties for various social forces,especially the rural small and medium-sized financial institutions with rural credit cooperatives,rural commercial Banks in Baotou city as its main force.According to the analysis of the causes of the existing problems,the thesis tries to put forward some opinions and suggestions to provide reference and help for the rapid development in inclusive finance in this region and in a larger scope.