基于互联网金融视角下的普惠金融发展问题研究

发布时间：2018-03-08 22:36

本文选题：普惠金融　切入点：互联网金融　出处：《吉林财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：金融在促进经济发展、社会福利水平提高等方面发挥着重要的作用,然而由于信息不对称、违约风险大等原因,贫困人群往往被排挤在金融的门外,为充分发挥金融的资源配置作用,使得人人都能享有金融权,“普惠金融”概念应运而生,世界各国开始探索普惠金融发展模式,学术界也对“普惠金融”展开了深入的研究。我国从早期的政府扶持性金融项目到2016年国务院印发普惠金融专项文件可以看出,我国对普惠金融发展的重视程度日益提高,已经将其从笼统的扶贫项目中独立出来,进行专门的研究,普惠金融体系日渐完善。然而作为一项新兴的课题,对其发展的研究仍处于初级阶段,单纯依靠政策支持传统金融推行普惠金融产品已经不能满足普惠金融的巨大需求,本文通过对传统金融背景下普惠金融的发展现状及问题进行研究,发现互联网金融在一定程度上可以解决这些问题,促进普惠金融的发展。互联网金融和普惠金融是两个相对独立的课题,本文深入分析互联网金融的特性,在此基础上运用金融创新理论、产业结合理论等对互联网金融背景下的普惠金融发展进行了深入研究,并提出互联金融在促进普惠金融的过程中存在的问题,通过分析国外普惠金融发展模式,总结国外发展普惠金融的经验,利用理论与实际分析相结合的方法,把这些经验应用在互联网金融发展中,提出利用互联网金融发展普惠金融的对策。
[Abstract]:Finance in promoting economic development, plays an important role to improve the level of social welfare, but because of the information asymmetry, the risk of default and other reasons, the poor often marginalized in the financial resources allocation for the door, give full play to the role of finance, so everyone can enjoy financial rights, Inclusive Finance concept came into being, the world all countries began to explore the development of Inclusive Finance mode, the academic circles also conducted in-depth research on the Inclusive Finance. From the early days of government financial support to the project in 2016 the State Council issued the inclusive finance special file can be seen, our country attaches great importance to the development of Inclusive Finance degree increasing, has been from the general poverty alleviation project independent, specialized research, inclusive financial system gradually improved. However, as a new subject, research on its development is still in the initial stage Relying solely on traditional financial support policy, the implementation of inclusive financial products has been unable to meet the huge demand of Inclusive Finance, based on the research of current situation and problems of the development of inclusive financial traditional financial background, found that Internet banking can solve these problems to a certain extent, promote the development of Inclusive Finance. Internet financial and inclusive finance is relatively two independent project, this paper in-depth analysis of the characteristics of the Internet finance, based on the theory of financial innovation, combined with the theory of Internet financial industry under the background of inclusive financial development conducted in-depth research, and put forward the Internet banking in the process of promoting inclusive financial problems in abroad by analyzing the inclusive financial development model, summarize the development inclusive finance foreign experience, using the combination of theoretical and practical analysis, the experience of application in Internet In the development of net finance, we put forward the Countermeasures of utilizing the Internet finance to develop the Inclusive Finance.

【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832

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