Research On The Implementation Of Inclusive Financial Policy In Shanghai

In the last few years,China has paid great attention to the development of inclusive financial policies,striving to provide equal access to financial services for small and micro businesses,agriculture,farmers in the rural areas and special people,and establish a vibrant inclusive finance ecosystem.Small and micro enterprises provide employment,arouse the vitality of economy.Therefore,for financial institutions,how to support the production and operation of small and micro enterprises and solve the capital difficulties has been a prominent problem for a long time.Nowadays,the development of China’s inclusive financial system is still in the primary stage.Guiding banks and other financial institutions to return to business and service,matching the financial needs of small and micro enterprises,and urging the implementation of policies is of great importance for the development of inclusive financial strategy in China.Shanghai,which aspires to become an international financial center,bears the dreams of countless small and micro enterprises and ranks first in GDP in China.Its implementation of inclusive financial policy has attracted great attention of the whole country,and the implementation effect will affect the development of the national inclusive financial strategy.In view of this,the research on the implementation of inclusive financial policy in Shanghai has research significance and practical significance.Based on the research at home and abroad,this passage studies the implementation of inclusive financial policy from the domestic and foreign scholars,defines the inclusive financial policy and policy implementation,combines with the Horn-Meter policy execution model and information asymmetry theory,and sums up the content of the inclusive financial policy in Shanghai and elaborates the characteristics of the implementation.This article adopts the methods of questionnaire survey and interview,selects the implementation of credit support policies for small and micro enterprises as an example,deeply understands the current situation of the implementation of credit support policies for small and micro enterprises in Shanghai,and analyzes some problems existing in the process of the implementation: policy objectives deviate from standards;resources cannot fully meet the needs in the development;methods of the policy implementation lack diversity;ineffective communication exists among the implementation subjects;policy cannot help those in need and executive staff implement the policy casually.In view of the above problems,the article seeks the causes behind the issues.Finally,based on the above research results and combined with the related theory,the paper puts forward the suggestions of the implementation of inclusive financial policy: perfecting the standard and regulation of inclusive financial policy;optimizing the resources distribution of inclusive financial policies;enriching ways to implement inclusive financial policy;strengthening the communication mechanism among executive agents;improving the service of the institutions implementing inclusive financial policy;building excellent implementation environment;consummating the evaluation mechanism of the inclusive financial policy implementation.