我国普惠金融发展的金融基础设施建设研究

发布时间：2018-04-16 15:21

本文选题：金融发展 + 普惠金融　；参考：《湖南农业大学》2012年硕士论文

【摘要】：2005年,联合国在国际小额信贷年上推出了普惠金融体系这样一个全新的概念。本文所做研究是围绕我国普惠金融发展的金融基础设施建设展开的,通过广泛吸收国内外学者对普惠金融与金融基础设施建设的相关研究成果,深入分析了金融基础设施建设与金融发展的关系,结合我国普惠金融基础设施建设的现状,在借鉴国外普惠金融基础设施建设经验基础上,对我国普惠金融基础设施的制度绩效进行实证分析,并提出了完善我国普惠金融基础设施建设的建议。论文总共分为五个部分,第一章是导论部分,首先分析了论文的研究背景、目的及意义,然后对国内外动态研究与述评进行了总结,并对基本概念如普惠金融和金融基础设施等进行了界定,介绍了研究方法和篇章结构及技术路线,最后阐述了本研究的创新之处。第二章研究了普惠金融基础设施建设及对普惠金融发展的影响。在该章中首先对金融基础设施与金融发展的关系进行了研究,得出二者之间是一个相互促进的关系；其次对普惠金融的特殊性及其对金融基础设施建设的要求进行了分析；最后对当前普惠金融基础设施建设情况进行了研究,分析了我国当前金融基础设施对普惠金融发展的影响。第三章是基于金融法律制度视角来对我国普惠金融基础设施建设的绩效进行评价。首先对金融法律制度绩效和绩效评价等进行了详细界定；其次阐述了建立普惠金融法律制度评价指标体系原则,进而构建了普惠金融法律制度绩效多级综合评价模型；再次对我国普惠金融法律制度绩效评价进行实证分析,得出了相关结论。第四章探讨了普惠金融基础设施建设的经验借鉴和启示。首先对国外普惠金融发展较为成功的模式进行了分析,如孟加拉乡村银行、玻利维亚阳光银行等,从中得出对我国普惠金融发展及普惠金融基础设施建设的可借鉴经验。第五章主要研究了加强我国普惠金融基础设施建设的政策与建议。先对我国普惠金融基础设施建设的重难点进行了全面分析,如目前普惠金融法律地位缺失和监管模糊；然后从普惠金融法律制度、普惠金融监管体系、支付结算体系和信用体系四个角度提出了完善我国普惠金融基础设施建设的建议。
[Abstract]:In 2005, the United Nations introduced a new concept of inclusive financial system at the International year of Microcredit.The research in this paper is carried out around the financial infrastructure construction of inclusive finance development in China. Through the extensive absorption of domestic and foreign scholars on inclusive finance and financial infrastructure construction related research results,This paper deeply analyzes the relationship between financial infrastructure construction and financial development, combined with the current situation of inclusive financial infrastructure construction in China, on the basis of drawing lessons from the experience of overseas inclusive financial infrastructure construction.This paper makes an empirical analysis on the institutional performance of China's inclusive financial infrastructure, and puts forward some suggestions for improving the construction of inclusive financial infrastructure in China.The paper is divided into five parts. The first chapter is the introduction part. Firstly, it analyzes the research background, purpose and significance of the paper, and then summarizes the dynamic research and review at home and abroad.The basic concepts such as inclusive finance and financial infrastructure are defined, and the research methods, text structure and technical route are introduced. At last, the innovations of this study are expounded.The second chapter studies the construction of inclusive financial infrastructure and its impact on the development of inclusive finance.In this chapter, firstly, the relationship between financial infrastructure and financial development is studied, and the relationship between them is a mutually reinforcing relationship, secondly, the particularity of inclusive finance and the requirements of financial infrastructure construction are analyzed.In the end, the author studies the construction of inclusive financial infrastructure, and analyzes the influence of current financial infrastructure on inclusive financial development.The third chapter is based on the perspective of financial legal system to evaluate the performance of inclusive financial infrastructure construction in China.Firstly, the performance and performance evaluation of financial legal system are defined in detail; secondly, the principles of establishing the evaluation index system of inclusive financial legal system are expounded, and then the multi-level comprehensive evaluation model of the performance of inclusive financial legal system is constructed.Thirdly, the paper makes an empirical analysis on the performance evaluation of inclusive financial legal system in China, and draws the relevant conclusions.Chapter four discusses the experience and enlightenment of inclusive financial infrastructure construction.Firstly, the successful models of inclusive finance development abroad are analyzed, such as Grameen Bank of Bangladesh and Sunshine Bank of Bolivia, from which we can draw lessons from the development of inclusive finance and the construction of inclusive financial infrastructure in China.The fifth chapter mainly studies the policy and suggestion of strengthening the construction of inclusive financial infrastructure in China.First of all, the paper makes a comprehensive analysis of the important and difficult points in the construction of inclusive financial infrastructure in China, such as the lack of legal status and fuzzy supervision of inclusive finance at present, and then from the perspective of the inclusive financial legal system, the inclusive financial regulatory system.Four aspects of payment and settlement system and credit system are put forward to improve China's inclusive financial infrastructure construction.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832

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