Study On Problems And Countermeasures In The Implementation Of Inclusive Financial Policy In Qionglai City

The development of inclusive finance can promote the financial industry to carry out supply-side structural reform,solve the financing constraints of small and micro enterprises,improve the efficiency of financial services,increase the activity of financial market,promote the high-level development of local economy,and play an irreplaceable role in the comprehensive realization of a well-off society.The Development Plan for Promoting Inclusive Finance(2016-2020),issued in2016,has made the country attach great importance to the development of inclusive finance.The state has introduced a number of policies to actively develop inclusive finance.For example,in 2021,China issued the No.1 Central Document,in which it is clearly pointed out that digital inclusive finance will be promoted to rural areas;In the 14 th Five-year Plan of 2021,it is proposed that increasing financial services to the real economy can make finance more inclusive.Through various efforts in recent years,inclusive finance has achieved rapid development in China.The qionglai Municipal government and relevant departments have actively implemented national policies and jointly promoted the implementation of inclusive finance policy,so that the development of inclusive finance has achieved initial results.However,there are still some problems in the actual implementation of inclusive finance policy.The government formulated policies and regulations related to inclusive finance,monitored the possible risks of inclusive finance,built the basic environment of inclusive finance and implemented specific policies on inclusive finance.The analysis of the role of the government in the implementation of financial inclusion policy can give full play to the multiple roles of the government,and at the same time,the analysis of the problems existing in the implementation of the current financial inclusion policy can adjust the implementation mode of the policy.By exploring the problems existing in the implementation process of inclusive finance policy and putting forward measures based on the problems,we hope to promote the steady development of inclusive finance and provide experience for better and faster implementation of inclusive finance goals in the future.This article selects qionglai city as the research object,combing the domestic and foreign related pratt &whitney financial research literature and the theoretical basis,first of all to takes pratt &whitney financial policy implementation of the main measures and analyzes the effect of study,followed by using the method of questionnaire and interview method,the pratt &whitney induction and problems in the implementation of the financial policy,specific advice is given.We hope to provide suggestions for the implementation of local financial inclusion policies,improve the efficiency and quality of implementation,and ensure that the policies can achieve the desired results.In general,the problems in the implementation of the inclusive financial policy in Qionglai city include: insufficient execution ability of the policy implementation subject,poor participation of the target group,unsatisfactory publicity effect and insufficient supervision and guarantee for policy implementation.These problems seriously affect the implementation effect of financial inclusion policy and hinder the smooth achievement of policy objectives.Through the study,it is found that the above problems are caused by insufficient capacity and poor communication and cooperation of the policy implementation subjects in Qionglai City,the target group of the policy is deeply influenced by traditional ideas,the policy publicity method has defects and the lack of effective policy implementation supervision and guarantee mechanism.In view of the above problems,in order to better implement inclusive finance policy,promote the development of local inclusive finance,so as to improve the local economic level.The Qionglai Municipal Government should enhance the capability of policy implementation personnel and departments throughout the city,increase the participation of target groups,optimize policy promotion methods and continuously optimize the development environment for inclusive finance.