X市普惠金融发展中的政府作用研究

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In recent years,the financial industry has developed rapidly.On the one hand,financial services are closely related to daily life and economic activities and become a necessary and important social service.On the other hand,financial services tend to focus on advantageous fields and developed areas.Social vulnerable groups and poor areas cannot enjoy basic financial services,which affects the realization of social fairness and justice,The community has constantly called for the establishment of inclusive financial services.From the perspective of public management,financial services and consumption based on financial infrastructure are non competitive and non exclusive,with the nature of quasi public goods and market failure.Therefore,it is the basic responsibility of the government to promote the development of Finance in the direction of inclusive.When playing a specific role,it should be carried out in accordance with the requirements of making up for market failure and government intervention in the market,delimit the boundary between the government and the market,do something and don’t do something,and pay attention to ways and methods.Specifically,the role of the government in Inclusive Finance can be summarized into five aspects:planning and design,system guarantee,policy guidance,facility construction and financial supervision.X city is a pilot city of Inclusive Finance.In recent years,the government has achieved remarkable results in promoting Inclusive Finance,but it is also facing the problem of slowing down the development speed.In-depth development is facing institutional bottlenecks.Combined with the work done by X city government in Inclusive Finance,it is found that the planning and design level is too low,the system soft constraints,and the role of infrastructure is not played enough The reason why financial supervision is not in place is that there is insufficient understanding of Inclusive Finance,which is not positioned to fulfill the basic responsibilities of the government and make up for market failure,the environment for promoting the development of Inclusive Finance is not friendly and harmonious,and the commercial sustainable development mechanism has not been formed.Therefore,in order to form the understanding that Inclusive Finance has the nature of quasi public goods,starting from the introduction of higher-level regulations,strengthen planning and design and organizational guarantee,and better make up for market failure,the most important thing is to explore local legislation and form legally binding regulations,and put forward suggestions to relevant departments according to the conclusions of this paper,It has promoted local legislatures to issue resolutions to support the development of Inclusive Finance.
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