四川省W县数字普惠金融政策的执行问题与破解对策研究

【作者】 李爽；

【导师】 马千里；

【作者基本信息】 西南大学 ， 公共管理（专业学位）， 2024， 硕士

【摘要】 乡村振兴战略是实现中华民族伟大复兴的重要战略。自党的十九大提出“乡村振兴战略”以来,乡村振兴成为全党在农村工作的重中之重。要实现共同富裕、建设新时代中国特色社会主义强国的愿景,农村仍是发展最薄弱的地方,如何切实有效的将普惠金融政策带进每家每户是当前的一个重要研究课题。数字普惠金融政策作为一项公共政策,在服务乡村振兴中具有非常重要的作用。数字普惠金融政策由中央金融委员会制定,地方政府在政策中发挥牵头作用负责具体执行,金融监管机构负责监管,中央及地方政府各部门相互配合,共同推进乡村全面振兴。普惠金融是本着兼顾公平和可持续发展的原则,在适应当前金融经济发展环境的前提下,主要为乡镇低收入群体、贫困人群、小微企业、残障人士等特殊群体提供平等的金融服务。数字普惠金融政策作为一种新兴的金融政策,具备促进乡村经济发展、提升居民生活水平的潜力,有很强的可得性。因此,探索数字普惠金融政策的执行困境与优化对策具有重要意义。本文旨在通过现状分析及实证分析来探讨数字普惠金融政策如何更好地服务乡村治理,进一步支持乡村振兴的发展。本文首先运用文献研究方法对数字普惠金融的基本概念和理论、国内外最新硏究成果进行梳理,为文章提供了理论依据。结合问卷调查和访谈法对当前数字普惠金融政策执行中存在的问题进行了现状分析,结合我国的具体情况指出,我国发展数字普惠金融存在的问题。一是分析了政策执行中存在的四大问题:政策匹配性不足、执行人员匮乏且素质不高、目标群体参与积极性不高、以及政策宣传不到位和执行氛围不够成熟。这些问题在一定程度上阻碍了数字普惠金融政策的有效落地。二是进一步剖析了问题产生的原因,包括政策制定的不完善、执行机构主动性不强、目标群体金融素养缺乏以及复杂的政策执行环境等。通过对这些问题和原因的分析,本章为后续提出针对性的政策优化对策提供了重要的理论依据。最后,基于综合现状分析,本文提出了数字普惠金融政策在执行中的具体实施对策。一是通过完善农村数字普惠金融的政策设计、加快法制建设、健全监管体制和风险管控体系,增强政策的科学性和可操作性。二是提出加强数字普惠金融基础设施建设、提升金融机构覆盖率、整合各级机构资源共建共享的策略,以提高政策执行主体的供给能力。三是强调通过宣传教育、完善反馈机制和提升金融素养等手段,增强目标群体的参与积极性和金融意识。四是建议通过创新金融产品、拓宽担保机制、推行农村数字普惠金融保险等措施,改善政策执行的生态环境,助力农村经济的全面发展。通过这些举措的综合实施,可以有效促进数字普惠金融政策在乡村治理中的作用,为乡村振兴注入新的活力。通过产业带动效应、收入带动效应和文教支持效应,执行普惠金融政策能够推动乡村经济的发展,改善农民收入水平,促进乡村教育和文化的繁荣,为乡村治理的可持续发展提供有力支持。更多还原

【Abstract】 The rural revitalization strategy is an important strategy for achieving the great rejuvenation of the Chinese nation.Since the 19 th National Congress of the Communist Party of China proposed the "Rural Revitalization Strategy",rural revitalization has become the top priority of the entire party’s work in rural areas.To achieve the vision of common prosperity and building a strong socialist country with Chinese characteristics in the new era,rural areas are still the weakest areas for development.How to effectively bring inclusive financial policies into every household is an important research topic at present.The digital inclusive finance policy,as a public policy,plays a very important role in serving rural revitalization.The digital inclusive finance policy is formulated by the Central Financial Commission,with local governments playing a leading role in the specific implementation of the policy,financial regulatory agencies responsible for supervision,and various departments of the central and local governments cooperating to jointly promote the comprehensive revitalization of rural areas.Inclusive finance is based on the principles of balancing fairness and sustainable development,while adapting to the current financial and economic development environment,mainly providing equal financial services for special groups such as low-income groups,impoverished groups,small and micro enterprises,and people with disabilities in rural areas.The digital inclusive finance policy,as an emerging financial policy,has the potential to promote rural economic development and improve residents’ living standards,and has strong accessibility.Therefore,exploring the implementation difficulties and optimization strategies of digital inclusive finance policies is of great significance.This article aims to explore how digital inclusive finance policies can better serve rural governance and further support the development of rural revitalization through current situation analysis and empirical analysis.This article first uses literature research methods to sort out the basic concepts and theories of digital inclusive finance,as well as the latest research results at home and abroad,providing a theoretical basis for the article.A current analysis of the problems in the implementation of digital inclusive finance policies was conducted through a combination of questionnaire surveys and interviews.Based on the specific situation in China,the problems in the development of digital inclusive finance were pointed out.One is to analyze the four major problems in policy implementation: insufficient policy matching,lack and low quality of implementation personnel,low participation enthusiasm of target groups,and inadequate policy promotion and immature implementation atmosphere.These issues have to some extent hindered the effective implementation of digital inclusive finance policies.The second is to further analyze the reasons for the problems,including incomplete policy formulation,weak initiative of implementing agencies,lack of financial literacy among target groups,and complex policy implementation environment.By analyzing these issues and their causes,this chapter provides important theoretical basis for proposing targeted policy optimization measures in the future.Finally,based on a comprehensive analysis of the current situation,this article proposes specific implementation strategies for the implementation of digital inclusive finance policies.One is to enhance the scientificity and operability of policies by improving the policy design of rural digital inclusive finance,accelerating legal construction,improving regulatory and risk control systems.The second is to propose strategies to strengthen the construction of digital inclusive financial infrastructure,enhance the coverage of financial institutions,and integrate resources from various levels of institutions for joint construction and sharing,in order to improve the supply capacity of policy implementation entities.Thirdly,emphasis is placed on enhancing the participation and financial awareness of the target group through means such as publicity and education,improving feedback mechanisms,and enhancing financial literacy.The fourth suggestion is to improve the ecological environment for policy implementation and promote the comprehensive development of rural economy through innovative financial products,expanding guarantee mechanisms,and promoting rural digital inclusive financial insurance.Through the comprehensive implementation of these measures,the role of digital inclusive finance policies in rural governance can be effectively promoted,injecting new vitality into rural revitalization.The implementation of inclusive finance policies can promote the development of rural economy,improve farmers’ income levels,promote the prosperity of rural education and culture,and provide strong support for the sustainable development of rural governance through industry driven effects,income driven effects,and cultural and educational support effects.更多还原