The Difficulties And Countermeasures Faced By Luzhou Municipal Government In Promoting Inclusive Finance

With the economic development of our country,it is gradually entering the stage of supply-side structural reform,which is mainly manifested in the transformation from high-speed development to high-quality development.How to develop with high quality is the top priority in the development and exploration of our country at present.With the emergence of the novel coronavirus epidemic in 2020,the pace of economic development has slowed down,and the normalization of the epidemic has made the current financial service industry lack of initiative and economic support,so it has become urgent to explore a financial service path in line with the economic development mode of the socialist road with Chinese characteristics.It is very urgent to explore a way of economic development in line with the road of socialism with Chinese characteristics.The concept of inclusive finance originated from the United Nations “International year of Microfinance 2005”,and then continued to explore its connotation and mode of development in various countries and regions.In 2013,the third Plenary session of the 18 th CPC Central Committee established "developing inclusive finance" as China’s strategy.In 2015,the State Council issued the "Plan for promoting inclusive Financial Development(2016-2020)".Sichuan provincial government and Luzhou municipal government also combined with their own situation,issued a plan to promote the development of inclusive finance,up to the national level,down to the municipal government have actively responded to the development of inclusive finance.Inclusive finance refers to the provision of appropriate and effective financial services to all social strata and groups in need of financial services at an affordable cost based on the requirements of equal opportunities and the principle of business sustainability.It covers a wide range of people and groups from all walks of life.Emphasizing that all people have the right to financial services can better promote the sustainable development of the financial industry,the transformation of the mode of economic development,social fairness and harmony,and will gude the optimal allocation of financial resources.The development of inclusive finance in China is uneven in recent years,and some pilot areas have achieved fruitful results,but due to the obvious differentiation of regional characteristics,there is little literature on the analysis of inclusive financial development in specific areas.Therefore,this paper analyzes and summarizes the situation of the implementation of inclusive finance by the Luzhou municipal government,makes a theoretical research on the development of regional inclusive finance,and provides suggestions for the Luzhou municipal government to implement inclusive finance.This paper takes the problems faced by Luzhou Municipal Government in the implementation of inclusive finance as the research object,using the methods of literature analysis,semi-structured interview qualitative research,combining theory with practice.Through Smith’s policy implementation process theory,the following aspects are analyzed: 1.The research status of inclusive finance at home and abroad;2.Luzhou municipal government promotes the current situation of inclusive finance;3.The Luzhou municipal government promotes the qualitative research on the difficulties faced by inclusive finance;4.The problems and reasons in the development of inclusive finance in Luzhou;5.Countermeasures and suggestions to promote the development of inclusive finance in Luzhou.Its purpose is to provide auxiliary decision-making for the cooperation of various departments of Luzhou municipal government and the implementation of inclusive financial policy,improve the development prospect of inclusive finance in Luzhou,and make it further serve the economic development of Luzhou.