Research On The Implementation Of Inclusive Finance Policy In Rural Areas Of Huai ’an

In recent years,under the great attention of the Huai’an Municipal Party Committee and Municipal Government,Huai’an has achieved remarkable results in implementing the rural inclusive financial policy and has a good development trend.However,the service supply capacity of the government-led inclusive financial policy is still insufficient,there are not many varieties of inclusive products,the loan application conditions are harsh,the structural contradiction between the needs of rural small and micro enterprises and other entities and the banks do not have such loan varieties still exists,so exploring a new path for the development of inclusive finance in rural areas of Huai’an City is not only related to the construction of service-oriented government,but also related to the protection of the rights and interests of the rural people in the city,and also reflects fairness and fairness in the allocation of financial resources in rural areas of Huai’an City.The supply level of inclusive products has great reference significance.This thesis takes the rural areas of Huai’an City,Jiangsu Province as the research object.Firstly,it explains the core concepts and relevant theoretical foundations of current inclusive finance and policy implementation.Secondly,the current measures,basic status,and reasons for the implementation of inclusive finance policies in Huai’an City were analyzed and sorted out.At the same time,a questionnaire survey and interview were conducted on the inclusive finance needs of individuals and small and micro business owners in rural areas.It was concluded that in the process of implementing inclusive finance policies,there are still shortcomings in the government’s propaganda and explanation of policies,as well as insufficient supply in the inclusive finance market,The government has limited efforts to govern the dishonesty of rural financial entities,and improper financial channels hinder the healthy development of rural finance.The causes of these problems are analyzed in depth.Based on the practical experience of other regions and the actual situation of the city,the following countermeasures and suggestions are proposed:First,we should attach importance to the guiding role of the government in the implementation of inclusive finance,change functions,strengthen service awareness,improve the basic services of inclusive finance in rural areas,and strengthen the education of financial knowledge and law popularization in rural areas.The second is to strengthen collaborative governance,innovative assessment,product and risk sharing,internal and external coordination,reasonable setting of assessment indicators,supplemented by multi-risk compensation of fiscal and tax insurance funds,scientific layout of service points,and improvement of multi-level rural financial service system.Make it "sustainable".The third is to promote the construction of the credit system,improve inclusive financial laws and regulations,strengthen the construction of the credit information system,deepen information sharing,expand punishment for breach of trust,and rectify credit chaos;fourth,build a solid regulatory system,give consideration to efficiency and fairness,win the battle of "government supervision +financial insurance" to prevent and defuse major risks,take into account both efficiency and fairness,digitize inclusive financial public services,and improve the efficiency of the implementation of inclusive financial policies.