Research On The Effectiveness Evaluation Of Inclusive Financial Policy Implementation

The concept of Inclusive Finance was first put forward by the United Nations as an concept of "Inclusive Finance" in 2005.Subsequently,it was gradually improved into a principle based on the requirements of equal opportunities and business sustainability.It aims to provide appropriate and effective financial services for groups at all levels with financial service needs with affordable payment.The key service objects of inclusive finance are small and micro enterprises,farmers,urban low-income groups,the disabled and the elderly.The development of inclusive finance is not only the need of financial support for the real economy,but also an important way to alleviate the contradiction between the growing demand for financial services and the imbalance and insufficiency of financial supply.Inclusive finance is a quasi-public good,and its promotion and practice are inevitably inseparable from the promotion,supervision and adjustment of government departments.However,in the process of policy implementation and implementation,it is easy to lead to the situation of "hot at the top,warm in the middle and cold at the bottom".Facing different regions,different policy environments and different financial ecology,the effectiveness of inclusive financial policy will also be affected.Qingtian County,located in the southwest of Zhejiang Province,is the China’s experimental zone for rural financial reform.In this paper,taking Qingtian County as the starting point,the concept of inclusive finance was first expounded.The connotation of inclusive finance and inclusive finance policy was introduced through the discussion of related concepts of inclusive finance by different scholars.Then,the index system to measure the effectiveness of inclusive financial policy implementation was designed.Based on the achievements in financial organization system,small support for agriculture,basic rural financial service system and county economic vitality,the comprehensive measurement of the implementation effectiveness of the inclusive financial policy in Qingtian County was carried out,and the obstruction phenomena in the implementation of the inclusive finance policy in Qingtian County were pointed out,such as the contradiction between the policy cost and the effectiveness of service providers.Combined with the actual analysis,the causes of obstruction in the implementation of inclusive financial policy in Qingtian County were summarized.After concluding and summarizing the successful experience of the implementation of inclusive financial policies at home and abroad,combined with the actual situation of Qingtian,opinions and suggestions on inclusive financial legislation,improving assessment and incentive mechanism,establishing policy guidance and long-term supervision system,and promoting the development of financial science and technology in rural areas were put forward,thereby providing reference for other regions in China to give better play to the effectiveness of inclusive finance.