普惠金融视角下政府与市场关系问题研究
发布时间：2018-09-13 14:51
【摘要】：“普惠金融”作为重要的民生工程已经提升到我们党和国家的重要战略布局中。在我国提出加快转变政府职能以及市场在资源配置中发挥决定作用的背景下,由于普惠金融具有的准公共产品性质,其在实际推广中必然会受到市场失灵、金融排斥、机会不均、立法缺失、金融生态失衡等众多原因的影响,因此金融服务市场和金融机构难以自发形成普惠金融体系,这就必须由政府这只看得见的手去矫正、解决市场失灵和金融排斥等对普惠金融的发展造成的影响。但是又由于政府过多的干预市场经济活动造成的政府失灵严重制约普惠金融的市场化进程,这就需要市场的资源配置作用去纠正政府失灵。普惠金融作为一种新观点、新体系在实际发展中存在着政府失灵、市场失灵等问题,为了克服政府失灵、市场失灵等问题就需要发挥政府和市场双引擎作用共同配合推进普惠金融的发展。为克服政府失灵,市场在普惠金融发展中应该提供一个具有竞争性的市场环境;发挥其刺激作用促使资金流入和技术进步;发挥传递正能量信息的作用。而为了克服市场失灵,在普惠金融发展中应积极发挥政府作用,实践中政府应该做好普惠金融的倡导者,提供健康的金融体系,加大金融基础设施的投资力度发展创新金融工具,降低市场的准入门槛提高竞争性和活力,提供微观领域的靶向政策,提高弱势群体的金融教育水准。通过市场和政府的双重作用使普惠金融这一准公共产品在实践中真正发挥其有效作用,能够让社会各阶层人民都能获得现代金融提供的产品和服务。
[Abstract]:As an important livelihood project, inclusive Finance has been promoted to the important strategic layout of our party and country. Under the background of speeding up the transformation of government functions and the decisive role of the market in the allocation of resources in China, due to the quasi-public goods nature of inclusive finance, it will inevitably be rejected by market failure and financial exclusion in its practical promotion. Uneven opportunities, lack of legislation, imbalance of financial ecology, and so on. Therefore, it is difficult for the financial services market and financial institutions to spontaneously form an inclusive financial system. This must be corrected by the visible hand of the government. Solve the market failure and financial exclusion on the development of inclusive finance. However, the government failure caused by excessive government intervention in market economy seriously restricts the marketization process of inclusive finance, which requires the role of market resource allocation to correct government failure. As a new viewpoint, the new system of inclusive finance has many problems, such as government failure, market failure and so on. In order to overcome the government failure, Market failure and other problems need to play a dual-engine role of government and market to promote the development of inclusive finance. In order to overcome the government failure, the market should provide a competitive market environment in the development of inclusive finance; play its stimulating role to promote capital inflow and technological progress; and play the role of transmitting positive energy information. In order to overcome market failure, the government should play an active role in the development of inclusive finance. In practice, the government should be the advocate of inclusive finance and provide a healthy financial system. Increasing investment in financial infrastructure to develop innovative financial instruments, lowering market entry barriers, improving competitiveness and vitality, providing targeted policies in the micro field, and raising the level of financial education for vulnerable groups. Through the dual role of market and government, inclusive finance, which is a quasi-public product, can really play its effective role in practice and enable people of all social strata to obtain the products and services provided by modern finance.
【学位授予单位】：延安大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832;D630
本文编号：2241491
[Abstract]:As an important livelihood project, inclusive Finance has been promoted to the important strategic layout of our party and country. Under the background of speeding up the transformation of government functions and the decisive role of the market in the allocation of resources in China, due to the quasi-public goods nature of inclusive finance, it will inevitably be rejected by market failure and financial exclusion in its practical promotion. Uneven opportunities, lack of legislation, imbalance of financial ecology, and so on. Therefore, it is difficult for the financial services market and financial institutions to spontaneously form an inclusive financial system. This must be corrected by the visible hand of the government. Solve the market failure and financial exclusion on the development of inclusive finance. However, the government failure caused by excessive government intervention in market economy seriously restricts the marketization process of inclusive finance, which requires the role of market resource allocation to correct government failure. As a new viewpoint, the new system of inclusive finance has many problems, such as government failure, market failure and so on. In order to overcome the government failure, Market failure and other problems need to play a dual-engine role of government and market to promote the development of inclusive finance. In order to overcome the government failure, the market should provide a competitive market environment in the development of inclusive finance; play its stimulating role to promote capital inflow and technological progress; and play the role of transmitting positive energy information. In order to overcome market failure, the government should play an active role in the development of inclusive finance. In practice, the government should be the advocate of inclusive finance and provide a healthy financial system. Increasing investment in financial infrastructure to develop innovative financial instruments, lowering market entry barriers, improving competitiveness and vitality, providing targeted policies in the micro field, and raising the level of financial education for vulnerable groups. Through the dual role of market and government, inclusive finance, which is a quasi-public product, can really play its effective role in practice and enable people of all social strata to obtain the products and services provided by modern finance.
【学位授予单位】：延安大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832;D630
【参考文献】
相关期刊论文 前5条
1 崔学东;付蔷;孙红霞;;普惠型金融在农村推广中存在的问题及建议[J];甘肃金融;2013年12期
2 刘华;;经济转型进程中的我国政府职能转变研究述评[J];江苏社会科学;2011年02期
3 代琳;;关于市场经济条件下政府职能转变的思考[J];今日南国(理论创新版);2008年07期
4 邓旭峰;邱俊杰;;农村金融排斥问题探析及破解之道[J];金融经济学研究;2013年03期
5 何颖;;我国政府职能转变问题的反思[J];行政论坛;2010年04期
，本文编号：2241491
本文链接：https://www.wllwen.com/guanlilunwen/huobilw/2241491.html
