【作者】 周莹；

【导师】 樊红敏；

【作者基本信息】 郑州大学 ， 公共管理硕士（专业学位）， 2024， 硕士

【摘要】 经济是肌体,金融是血脉。国家经济的高质量发展离不开金融的有力支持。普惠金融旨在通过完善金融服务体系,确保社会各阶层,特别是弱势群体和农村地区,能够平等地享受到便捷、高效、低成本的金融服务。近年来,我国政府积极实施—系列普惠金融政策,有效缓解了“融资难”“融资贵”等问题,对经济增长、社会公平和乡村振兴产生了深远影响。然而,当前我国普惠金融发展仍处于初级阶段,面临着诸多挑战。一方面,金融基础设施在偏远农村地区的匮乏,导致金融服务覆盖不足,难以满足当地经济发展的需求。另一方面,普惠金融服务在不同群体和地域间存在显著差异,影响了金融服务的公平性和有效性。因此,探寻普惠金融发展思路需要各地区结合实际,具体问题具体分析。此次研究以中部地区H省农业大县、普惠金融示范县——Y县为例,从公共管理视角出发,综合运用文献研究、案例分析、访谈调查等研究方法,并结合史密斯政策执行过程模型和金融排斥理论,深入剖析Y县普惠金融政策执行现状、存在问题及其成因。研究发现,Y县普惠金融政策执行过程中存在政策可持续性和可操作性不足、执行主体协同不够、目标群体参与度低、执行环境亟待优化等问题。这些问题不仅制约了普惠金融政策的有效实施,也影响了金融资源在县域经济中的均衡配置。经过深入分析发现主要原因在于缺乏完善有效的政策体系、执行主体组织架构和监督考核机制不健全、传统观念和政策宣传方式对目标群体影响较大、金融环境体系建设不健全。结合Y县实际情况,提出建议:一是完善普惠金融法律法规,健全普惠金融政策体系;二是深化落实部门协同合作,转变执行主体思想认识,全面优化并强化考核激励机制;三是改进政策宣传方式,增强目标群体政策参与意愿;四是完善金融基础设施建设,加强信用信息体系建设,大力发展数字普惠金融。此次研究旨在通过深入分析Y县普惠金融政策执行情况,推动当地普惠金融的高质量发展,同时为其他地区普惠金融政策的有效实施提供有益的参考与借鉴。更多还原

【Abstract】 Economy is the body,finance is the blood.The high-quality development of the national economy cannot be separated from the strong support of finance.Financial inclusion aims to ensure that all sectors of society,especially vulnerable groups and rural areas,can equally enjoy convenient,efficient and low-cost financial services by improving the financial service system.In recent years,the Chinese government has actively implemented a series of inclusive financial policies,which have effectively alleviated the problems of "difficult financing" and "expensive financing",and have had a profound impact on economic growth,social equity and rural revitalization.However,at present,the development of inclusive finance in China is still in the primary stage and confronted with many challenges.On the one hand,the lack of financial infrastructure in remote rural areas leads to insufficient coverage of financial services,which is difficult to meet the needs of local economic development.On the other hand,there are significant differences between different groups and regions in financial inclusion services,which affects the fairness and effectiveness of financial services.Therefore,the exploration of inclusive financial development ideas needs to be combined with reality in various regions and specific analysis of specific problems.Taking Y County,a large agricultural county in H Province in central China and a demonstration county of inclusive finance,as an example,from the perspective of public administration,this study comprehensively applied research methods such as literature research,case analysis and interview survey,and combined with Smith’s policy implementation process model and financial exclusion theory,to deeply analyze the implementation status,existing problems and causes of inclusive finance policy in Y County.The study found that there are some problems in the implementation of inclusive financial policies in Y County,such as insufficient policy sustainability and operability,insufficient coordination among implementation subjects,low participation of target groups,and urgent optimization of the implementation environment.These problems not only restrict the effective implementation of inclusive financial policies,but also affect the balanced allocation of financial resources in county economy.After in-depth analysis,it is found that the main reasons are the lack of perfect and effective policy system,the organization structure of the executive body and the supervision and assessment mechanism are not perfect,the traditional concepts and policy publicity methods have a great impact on the target group,and the construction of the financial environment system is not perfect.This study combined with the actual situation of Y County,put forward suggestions:the first is to improve the inclusive financial laws and regulations,and perfect the inclusive financial policy system;the second is to deepen the coordination and cooperation of the implementation departments,change the implementation departments’ thinking and understanding,and comprehensively optimize and strengthen the assessment and incentive mechanism;the third is to improve the way of policy publicity,and enhance the willingness of target groups to participate in policy;the fourth is to improve the construction of financial infrastructure,strengthen the construction of credit information system,and vigorously develop digital inclusive finance.This study aims to promote the high-quality development of inclusive finance in Y County through in-depth analysis of the implementation of inclusive finance policies,and provide useful references for the effective implementation of inclusive finance policies in other regions.更多还原