Research On The Problems And Countermeasures In The Implementation Of Inclusive Financial Policy In A Branch Of Industrial And Commercial Bank Of China Hangzhou

In 2005,in the United Nations "International Year of Microfinance","inclusive finance" was officially put forward,and subsequently countries have introduced and implemented relevant policies for the development of inclusive finance.In 2013,the Decision of the Central Committee of the Communist Party of China on Some Major Issues concerning Comprehensively Deepening Reform adopted at the Third Plenary session of the 18 th CPC Central Committee formally proposed to "develop inclusive finance".Subsequently,The State Council,the Ministry of Finance,the People’s Bank of China,the China Banking and Insurance Regulatory Commission and other institutions have formulated and issued a number of policies,mainly focusing on the overall plan,development model,regulatory measures,fund subsidy policies and other contents of inclusive finance.Then,starting from 2019,the Government Work Report set the target of 30%,40% and 30% increase in the loan issuance of inclusive finance for the large state-owned commercial banks for three consecutive years.Based on this background,this thesis takes ICBC Hangzhou A Sub-branch(full name: "Hangzhou A Sub-branch of Industrial and Commercial Bank of China")as the research object.From the perspective of executing institutions,this thesis systematically studies the problems existing in the implementation of inclusive finance policies,analyzes the causes,and puts forward countermeasures and suggestions,theoretically providing case reference for the government to formulate public finance policies.In reality,it provides beneficial suggestions for the implementation of inclusive finance policies of ICBC Hangzhou A branch and other commercial banks.In this thesis,literature review method,case analysis method and interview method are used comprehensively.This thesis focuses on the current situation and existing problems of the implementation of inclusive finance policies in A Branch of ICBC Hangzhou,analyzes the reasons with the theory of Smith policy implementation process model,and put forward countermeasures and suggestions to improve policy implementation: first,we will promote the development of laws related to inclusive finance and strengthen the implementation of policies(from the dimension of policy);Second,optimize the management mechanism of A Branch of ICBC Hangzhou(from the dimension of actuator);Third,strengthen the target group’s financial cognition and related channel construction(from the dimension of target group);Fourth,optimize the ecological environment of inclusive finance(from the dimension of environmental factors).This thesis mainly includes six parts: the first part is the introduction,which mainly includes the research background,the significance of the topic,the research status at home and abroad,the research methods and content,the innovation points and difficulties,and the technical route;The second part mainly expounds the related concepts of inclusive finance,inclusive finance loans for small and micro businesses,and public policy implementation,as well as Smith policy implementation process model and financial exclusion theory,which provides the theoretical basis for the research of this thesis.The third part firstly uses the interview method to interview the personnel involved in the implementation of the inclusive finance policy of ICBC Hangzhou A Branch in groups,and then analyzes the implementation status of the inclusive finance policy of ICBC Hangzhou A branch as the implementation institution,and then analyzes the implementation effect of the inclusive finance policy.The fourth part mainly analyzes the problems existing in the implementation of inclusive finance policies in A Branch of ICBC Hangzhou,and uses Smith policy implementation process model to find out the causes of the problems.Based on the above problems and reasons,the fifth part puts forward targeted countermeasures and suggestions to improve the implementation of inclusive finance policies in A Branch of ICBC Hangzhou.The sixth part is the conclusion,mainly based on the previous research,to summarize and point out the shortcomings.