金融包容与银行业机构:文献述评与展望

发布时间：2018-03-14 06:06

本文选题：金融包容　切入点：普惠金融　出处：《北京工商大学学报(社会科学版)》2017年02期 　论文类型：期刊论文

【摘要】：根据中国现阶段的金融业结构,发展普惠金融、促进金融包容性发展必然要以银行业机构为主要实现渠道。文章梳理了金融包容与小额信贷和微型金融、金融包容与银行业机构方面的文献并进行了述评。文献梳理发现:现有大部分研究未对普惠金融与金融包容之间的差异进行区分;小额信贷和微型金融是实现普惠金融的必要方式,但因数据缺乏,目前未能对村镇银行等新型农村金融机构在普惠金融发展中的作用进行充分研究;政策性和商业性金融机构在包容性发展中作用不同,政策性金融有助于狭义金融包容的实现,而广义金融包容的实现则需要商业性金融机构的发展;中小金融机构的发展和银行业市场结构对促进金融包容具有重要作用,而有关的研究却相对缺乏。
[Abstract]:According to the current financial structure of China, the development of inclusive finance and the promotion of inclusive financial development must take banking institutions as the main channel of realization. The literature on financial inclusion and banking institutions is reviewed. It is found that most of the existing studies do not distinguish the difference between inclusive finance and financial inclusion; Microfinance and microfinance are the necessary ways to achieve inclusive finance, but due to the lack of data, the role of new rural financial institutions, such as village banks, in the development of inclusive finance has not been fully studied. The role of policy-oriented and commercial financial institutions in inclusive development is different. Policy-oriented finance contributes to the realization of narrow financial inclusion, while the realization of broad financial inclusion requires the development of commercial financial institutions. The development of small and medium-sized financial institutions and banking market structure play an important role in promoting financial inclusion, but the relevant research is relatively lacking.
【作者单位】：对外经济贸易大学金融学院;
【基金】：国家社会科学基金项目“基于金融包容视角的地区银行业市场结构与优化设计”(15BJL027) 对外经济贸易大学研究生科研创新基金项目(201518)
【分类号】：F832.35

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