A Study On Financial Inclusion Policy Synergy And Its Effectiveness In China

The important characteristics of the financial inclusion policy are systematic,complex and comprehensive.It has many types.Is there the policy synergy between different types of financial inclusion policy? What is the degree of policy synergy? How to enhance the effectiveness of synergy of the financial inclusion policy? These are the common problems faced by financial inclusion policy makers and policy researchers.Therefore,it is of great significance to study the degree and effectiveness of the synergy of the financial inclusion policy.On the basis of quantification of financial inclusion policy,the thesis constructs the policy synergy model of financial inclusion from the perspective of synergistic,analyzes the state of financial inclusion policy synergy,and further studies the effectiveness of financial inclusion policy synergy.Firstly,according to the classification of policy tools,financial inclusion policy measures are divided into two categories: a.supply support and b.environment-oriented financial inclusion policy measures which cover seven subdivided measures.According to the connotation of financial inclusion,financial inclusion policy goals are divided into three aspects: supply,demand and evaluation.Secondly,the thesis develops the mechanism of financial inclusion policy synergy,proposes a quantitative process for measurement of financial inclusion policy and policy goals.It also quantifies financial inclusion policy.Thirdly,the thesis constructs the measurement model of financial inclusion policy synergy and analyzes the degree of synergy in the financial inclusion policy measures and policy goals according to the synergy preset standards.Finally,based on the synergy judgment of policy measures and policy goals,the thesis constructs financial inclusion index and the appraisal model of the effectiveness of financial inclusion policy synergy and analyzes the effectiveness of the policy measures synergy and policy goals synergy.The results of the study show that:(1)the proportion of financial inclusion policies jointly released by multiple departments in China is only 24.9%,but it has gradually increased in the recent years;(2)the degree of synergy in financial inclusion policy measures and the synergy in policy goals is basically in low-level synergy and the synergy degree of between different policy measures and different policy goals is different;(3)the effects of different financial inclusion policy measures’ synergy and policy goals’ synergy on the financial inclusion have a significant shortcoming in orientation and their implementation is also significantly different.The innovation of the thesis mainly includes three points.First,the thesis studies the financial inclusion policy from the perspective of synergy theory that provides new research ideas for the study of financial inclusion.Second,the thesis classifies financial inclusion policies and proposes quantitative standards.Third,the thesis measures the financial inclusion policy synergy and constructs the effectiveness evaluation model of financial inclusion policy synergy.It is of great significance to guide the government and the relevant government agencies to formulate a sound financial inclusion policy scientifically and establish an efficient system of financial policy.