Study On The Optimization Of Inclusive Finance Policy Implementation For Small And Micro Enterprises In L County Shandong Province

As an important force in our national economy,small and micro enterprises play a vital role in promoting economic growth,solving employment problems,and promoting innovation and reform.However,the financing difficulties of small and micro enterprises have also become a major obstacle restricting the innovation and development of small and micro enterprises.In 2016,The State Council promulgated China’s first national strategic plan for the development of Inclusive finance--the Plan for Promoting Inclusive Finance Development(2016-2020).Various departments have introduced a series of effective policies to promote the development of small and micro businesses,and small and micro businesses have ushered in new opportunities with the help of inclusive finance.Inclusive finance reflects the inclusiveness of inclusive policies.As the backbone of national economic development,small and micro enterprises are the key targets of inclusive finance.With the government’s emphasis on inclusive finance policy and the coordinated efforts of all parties,the development of inclusive finance in China has reached the advanced level in the world.The concept of inclusive finance was introduced late in China,so the implementation of inclusive finance policies for small and micro enterprises is still immature.There are some problems such as inaccurate inclusive credit,which affect the implementation effect of inclusive finance policies.This study takes the implementation of inclusive financial policies in L County of Shandong Province as the research object,adopts literature analysis,field interview,theoretical and empirical analysis,and uses Smith’s policy implementation model as the analysis tool to conduct research from four aspects: implementation agencies,target groups,environmental factors and policy implementation.Firstly,the paper summarizes the current situation of the implementation of inclusive financial policies in L County.By analyzing the problems existing in the implementation process of inclusive financial policies in L County of Shandong Province,it believes that the problems existing in the implementation process of inclusive financial policies mainly include: difficult policy implementation,insufficient implementation agencies,cognitive bias of small and micro enterprises and great environmental changes.Based on Smith’s policy implementation model,the paper analyzes in detail the reasons for these problems are the deviation between ideal policy and reality,the need to improve the implementation ability,the lack of correct participation of small and micro enterprises and the negative impact of environmental factors.On this basis,the paper draws lessons from the experience and lessons of the implementation of inclusive finance in other regions at home and abroad,and proposes to ensure the implementation of policies fundamentally by improving policies,strengthen the management of the implementation agencies to improve the subjective initiative,guide small and micro enterprises to strengthen management and actively participate in,create a good credit and economic environment,and promote a virtuous cycle of policy implementation.Measures to improve inclusive financial services for small and micro enterprises in L county.