我国普惠金融体系建设有关问题研究

发布时间：2018-03-23 03:09

本文选题：普惠金融体系　切入点：正规金融机构　出处：《聊城大学》2015年硕士论文　论文类型：学位论文

【摘要】：普惠金融体系是一个面向社会所有阶层和群体提供金融服务的包容性体系,它是以商业可持续性、广泛包容性与广泛覆盖和可获得性的经营性金融体系。目前我国的普惠金融仍处于探索发展的阶段,远没有形成真正意义上的普惠金融体系,这一方面由于长期以来金融抑制政策选择的结果,另一方面是由于金融本身的商业属性决定的金融体系中普惠理念缺失的结果。近年来,国家先后出台了一系列金融支持小微企业和民生等经济社会发展薄弱环节的政策措施,让金融改革发展的成果更多惠及广大人民群众。但同时也应看到,目前我国对“三农”、小微企业、弱势群体等的金融服务依然存在一些薄弱环节,普惠金融体系的建立还有许多问题需要研究和解决。而从国际范围看,新兴经济体与发展中国家在推动普惠金融发展方面的探索和成效,为我们进行普惠金融体系建设提供了经验。我国正处于经济社会转型的关键期,金融领域的改革不断深化,现代科技信息技术的迅猛发展使得移动金融、网络金融等新的经营业态不断涌现,处在传统金融体系之外的市场主体和弱势群体的多层次、多元化的金融需求日益提高,要求享有平等的金融权利的呼声日渐高涨,这无疑对我国金融改革和发展、创新能力和服务水平提出了新的要求,特别是对从国家金融发展战略的高度构建普惠金融体系提出了新的课题。普惠金融体系不仅是有效地、全方位地为社会所有阶层和群体提供服务的金融理念,也是对现有金融体系的反思和扬弃,更是一种全新的金融发展战略,普惠金融体系建设作为一项复杂的系统工程,必须依靠金融系统的整体构建才能从根本上解决,通过构建一个多层次、广覆盖、可持续的普惠金融体系,为低收入群体和小微企业提供及时有效地金融服务,让所有市场主体都能分享金融服务的雨露甘霖。本文基于政府和市场相结合的角度,从理论、现状、借鉴、对策四个方面展开研究。本文首先从理论部分对普惠金融体系的含义进行深入的阐释,结合相关的文献综述,梳理普惠金融体系的理念和实践发展的历程,并从普惠金融相关理论的研究中探讨了金融体制改革中政府和市场的有效边界问题;其次,通过分析总结近年来我国普惠金融体系的探索实践,从微观、中观和宏观三个层面找出我国普惠金融体系存在的问题;然后,借鉴发展中国家和发达国家普惠金融的典型模式,分析这些模式的特点和适用性;最后,设计了我国普惠金融体系的架构,并针对我国普惠金融体系建设,从微观、中观和宏观三个层面提出了相应的对策建议。
[Abstract]:The inclusive financial system is an inclusive system for the provision of financial services to all sectors and groups of society, and it is based on business sustainability. At present, inclusive finance in China is still in the stage of exploration and development, and it is far from forming a true inclusive financial system. This is due, on the one hand, to the long-term choice of financial repression policies, on the other hand, to the lack of inclusiveness in the financial system, which is determined by the commercial attributes of finance itself. The state has successively introduced a series of policies and measures to support the weak links of economic and social development, such as small and micro enterprises and people's livelihood, so that the fruits of financial reform and development can benefit the broad masses of the people.However, at the same time, we should also see that. At present, there are still some weak links in the financial services of the "three rural areas", small and micro enterprises, and vulnerable groups in China. There are still many problems to be studied and solved for the establishment of the inclusive financial system. The exploration and effect of emerging economies and developing countries in promoting inclusive financial development have provided us with experience in the construction of inclusive financial system.China is in a critical period of economic and social transformation, and the reform in the financial field is deepening. With the rapid development of modern science and technology information technology, mobile finance, network finance and other new business forms are emerging constantly, and the market subjects and vulnerable groups outside the traditional financial system are becoming more and more multi-level, and the diversified financial needs are increasing day by day. The growing demand for equal financial rights has undoubtedly put new demands on the financial reform and development, innovation and service level of our country. In particular, it puts forward a new topic for constructing inclusive financial system from the height of national financial development strategy. Inclusive financial system is not only an effective and comprehensive financial concept of providing services to all strata and groups of society, It is also a reflection and abandonment of the existing financial system, and it is also a new financial development strategy. As a complex system project, the construction of inclusive financial system must rely on the overall construction of the financial system in order to fundamentally solve the problem. Providing timely and effective financial services to low-income groups and small and micro enterprises by building a multi-layered, broad-based and sustainable inclusive financial system, Let all market entities share the rain and rain of financial services. Based on the combination of the government and the market, this paper draws lessons from the theory, the current situation, and the financial services. First, this paper explains the meaning of inclusive financial system from the theoretical part, combing the related literature review, combing the development of the concept and practice of inclusive financial system. The paper also discusses the effective boundary between government and market in the reform of financial system from the perspective of relevant theories of inclusive finance. Secondly, by analyzing and summarizing the exploration and practice of inclusive financial system in recent years, Find out the problems existing in China's inclusive financial system at the three levels of meso and macro; then, draw lessons from the typical models of inclusive finance in developing and developed countries, and analyze the characteristics and applicability of these models. This paper designs the framework of China's inclusive financial system, and puts forward corresponding countermeasures and suggestions from the micro, meso and macro levels for the construction of China's inclusive financial system.
【学位授予单位】：聊城大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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