史密斯模型视角下青海省普惠金融政策执行研究

Research on the Implementation of Inclusive Finance Policy in Qinghai Province from the Perspective of Smith Model

普惠金融是为了克服金融排斥问题诞生的,它对满足社会各阶层特别是中小微企业、农民、新市民等群体有效金融需求具有重要作用。自2016年成为全国唯一的普惠金融综合示范区试点省份以来,青海出台多项普惠金融政策,逐步探索形成具有西部欠发达民族地区特色的普惠金融“青海模式”。政策执行是将政策目标转化为政策现实的唯一途经,文章以青海省普惠金融政策的执行过程作为研究对象,搭建史密斯政策执行模型的分析框架,指出了制约政策执行的因素,并提出相应的优化路径。

Inclusive finance is born to overcome the problem of financial exclusion,and it plays an important role in meeting the effective financial needs of all levels of society,especially for micro,small and medium-sized enterprises,peasantry,new citizens and other groups.Since becoming the only pilot province in the country's comprehensive demonstration zone for inclusive finance in 2016,Qinghai has introduced a number of inclusive finance policies and gradually explored the formation of an inclusive finance"Qinghai model"with the characteristics of less developed ethnic areas of western China.Policy implementation is the only way to transform policy objectives into policy reality.This paper takes the implementation process of inclusive financial policies in Qinghai as the research object,builds the analysis framework of Smith policy implementation model,points out the factors restricting policy implementation,and puts forward the corresponding optimization path.