金融惠普性的基本问题分析及其对我国的借鉴

发布时间：2019-03-23 17:18

【摘要】：我国经济经过30多年的发展,取得举世瞩目的成就,但是,也出现了诸多消极现象,如收入差距不断扩大等。金融方面也不容乐观,仍然很多穷人没有储蓄账户,有很多人不能享受到正规金融机构的服务,现有金融体系的弊端已越来越明显。普惠性金融体系(inclusive financial system)的基本概念是能有效、全方位地为社会所有阶层和群体提供服务的金融体系。国外的实践证明,普惠性金融体系是缓解金融排斥、缩小城乡收入差距,促进经济包容性增长的有效途径。普惠性金融体系是对现存的金融体系的反思与扬弃,可以那些被排斥于传统金融服务和整体经济增长轨道之外的贫困人群和弱势群体都纳入金融服务范围,让他们也能分享到经济增长所带来的福利改善。本文首先梳理了普惠性金融的理论渊源,从金融发展理论出发,结合小额信贷理论、微型金融研究和普惠性金融的相关研究,完善了普惠性金融理念的形成与发展过程,并论证了普惠性金融与包容性增长是一脉相承的关系。然后通过选取相关指标体系构建普惠性金融指数(IFI),以普惠性金融指数为基础,比较中国与其他国家的金融普惠性水平,从中可以得到我国金融普惠性水平在国际上的位置。此后,以普惠性金融指数的国际比较为基础,重点分析了影响中国普惠性金融的因素,在合理借鉴国外推进普惠性金融发展的经验的同时,提出推进中国普惠性金融的发展的政策和建议。
[Abstract]:After more than 30 years of development, China's economy has achieved remarkable achievements, but there are also many negative phenomena, such as the widening of income gap. The financial side is also not optimistic, many poor people still do not have savings accounts, many people do not have access to the services of formal financial institutions, the shortcomings of the existing financial system has become increasingly evident. The basic concept of inclusive financial system (inclusive financial system) is a financial system that can effectively and omni-directionally provide services to all sectors and groups of society. Foreign practice has proved that inclusive financial system is an effective way to alleviate financial exclusion, narrow the income gap between urban and rural areas, and promote inclusive economic growth. The inclusive financial system is a reflection and abandonment of the existing financial system, and can be included in the scope of financial services for those poor and disadvantaged groups who are excluded from the track of traditional financial services and overall economic growth. Let them also share the welfare improvements brought about by economic growth. This article first combs the theoretical origin of inclusive finance, from the financial development theory, combines the micro-credit theory, micro-finance research and the relevant research of inclusive finance, improves the formation and development process of inclusive finance concept. It also proves that inclusive finance and inclusive growth are the same. Then through selecting the relevant index system to construct the inclusive financial index (IFI), based on the inclusive financial index, this paper compares the financial inclusive level between China and other countries. From this, we can get the position of our financial inclusive level in the world. After that, on the basis of the international comparison of inclusive financial index, this paper analyzes the factors affecting inclusive finance in China. At the same time, while reasonably drawing lessons from the experience of foreign countries in promoting the development of inclusive finance, Put forward policies and suggestions to promote the development of inclusive finance in China.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.1

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