焦作市大力发展普惠金融的对策和建议

Countermeasures and Suggestions on Vigorously Developing Inclusive Finance in Jiaozuo City

焦作市近几年在普惠金融实践中取得了诸多成效,普惠金融发展质效也在不断提升,但是仍存在诸多制约其发展的短板和瓶颈,本文通过对本地区普惠金融产品的供给侧、需求侧、监管侧3方面进行调研,找出存在的主要问题并对其深入分析,提出了焦作市大力发展普惠金融的建议:完善金融机构体制机制;加大金融产品创新力度;进一步拓展风险缓释手段;加强金融知识宣传教育和消费者权益保护;加强部门联动推动数据共享;推进和完善信用体系建设。

Jiaozuo has made some achievements in the practice of inclusive finance in recent years,and the quality and efficiency of inclusive finance development are improving,but there are still some factors restricting its development.Through the investigation of the supply side,demand side and supervision side of inclusive financial products in this region,this paper finds out the main problems and makes an in-depth analysis,and puts forward some suggestions,including improving the system and mechanism of financial institutions,strengthening financial product innovation,expanding risk mitigation measures,strengthening financial knowledge publicity and education and consumer rights protection,strengthening the linkage between departments to promote data sharing and improving the construction of credit system.