Research On The Implementation Of Inclusive Finance Policy Under The Background Of Rural Revitalization Strategy

Financial inclusion can be described as a way to provide effective financial services to vulnerable groups in society who are excluded from financial services so that financial institutions can meet their financial needs within a reasonable cost.The20 th National Congress of the Communist Party of China emphasized that through the implementation of rural revitalization,priority should be given to the development of agriculture and rural areas,the integrated development of urban and rural areas should be promoted,the flow of urban and rural factors should be guaranteed,and the revitalization of rural economy,talents,culture,ecology and organizations should be promoted in an all-round way.The implementation of inclusive financial policies is an important public policy implementation issue in the process of rural revitalization.The emergence of inclusive finance makes up for the lack of supply in rural financial development,and its concept of fairness and justice will play a good role in promoting China’s rural social harmony and economic development.However,China’s inclusive financial level is still at a low level compared with other countries in the world,it is still difficult for farmers to obtain financial services,and there are also big differences between urban and rural areas,and between different cities and cities,and the gap must be reduced by strengthening the implementation of inclusive financial policies.As a typical representative of large state-owned commercial banks,JS Bank is more representative in the implementation of inclusive financial policies of state-owned commercial banks,starting from the implementation status and effectiveness of rural inclusive financial policies of JS Bank Yunnan Branch,using the Smith model to analyze the implementation subjects,policy content,policy environment and four problems and reasons of the target group in the implementation of inclusive financial policies.And put forward corresponding suggestions and countermeasures,which can provide reference for other inclusive financial policy implementation entities.Through case analysis and in-depth interviews,the study discusses with practitioners and target groups of policy implementation subjects,finds the problems faced in the implementation of rural inclusive financial policies from the four aspects of implementation institutions,policies,target groups and implementation environment,and provides corresponding suggestions and countermeasures for optimizing the policy itself and the implementation environment of the policy,improving the recognition of the target group of the policy,and increasing the effectiveness of the policy implementation.