The Connotations,Challenges and Breakthrough Paths of Doing a Good Job in the Article of Inclusive Finance
The third Plenary Session of the 20th CPC Central Committee proposed to"actively develop technology finance,green finance,inclusive finance,pension finance,and digital finance".It is another major elaboration of the importance of inclusive finance by the CPC Central Committee after the 2017 National Financial Work Conference,which not only profoundly highlights that the value orientation of"people-centered"is the essence of the development of inclusive finance but also emphasizes the decisive position of inclusive finance in accelerating building up China's strength in finance.Doing a good job in the article of inclusive finance is the inherent requirement of the road of inclusive financial development with Chinese characteristics,an part of the strategy of accelerating building up China's strength in finance.This paper combines the new development concept of"innovation,coordination,green development,openness,and sharing"to explain the connotation of doing a good job in the article of inclusive finance.On this basis,in light of the overall situation of China's modernization,this paper summarizes the characteristics of doing a good job in the article of inclusive finance from seven aspects:adhering to the centralized and unified leadership of the Party,putting the people first,coordination and harmonization,innovation-driven,consolidating and strengthening the fundamentals,demonstrating and sharing,and openness and cooperation.Finally,this paper combines the objective facts and challenges of inclusive finance entering the stage of high-quality development,comprehensively and objectively analyses the institutional dilemmas faced by doing a good job of inclusive finance,and puts forward guidelines from the three dimensions of the demand side,the supply side,and the regulatory side,to provide practical breakthrough paths for a good job in the article of inclusive finance.From the demand side,we should strengthen national financial education as the focus point,and promote the service level of inclusive groups from low-level accessibility and satisfaction to the high-level goal of promoting financial health.From the supply side,financial institutions should be continuously encouraged to establish a"willingness to do"and"ability to do"business mechanisms,crack the"impossible triangle"of inclusive finance,and promote the achievement of reasonable quantitative growth and effective qualitative enhancement.From the regulatory side,on the one hand,it is necessary to strengthen the construction of financial infrastructure,mainly the construction of the credit system,to remove the blocked points that have long affected the matching of the supply and demand sides of inclusive finance;on the other hand,it is necessary to establish a policy support system that is conducive to the high-quality development of inclusive finance,to ensure that it can more effectively support the inclusive groups.
inclusive financenew development conceptfinancial power
万方数据
维普
