我国普惠金融发展研究

发布时间：2018-04-10 12:23

本文选题：普惠金融 + 贫富差距　；参考：《中国民商》2018年01期

【摘要】：普惠金融是实现"精准扶贫"的有效手段。2015年起,《政府工作报告》指出发展普惠金融将成为我国政府未来金融工作的方向之一。虽然对普惠金融没有一个准确的定义,但是学界一致认为普惠金融的核心在于让贫困、中低收入等弱势群体享受到金融服务带来的好处。目前,影响我国普惠金融发展的主要因素包括宏观经济因素、法律和政策因素、金融创新因素、需求因素,而我国普惠金融发展存在的问题主要有经营目的矛盾和需求者金融知识匮乏。针对影响普惠金融发展的主要因素和现存的问题,本文提出了以下建议:首先政府应当积极引导,制定相关政策法规,降低小微金融公司的经营成本,并对于小微金融公司具有减贫作用的业务给以优惠和帮助;其次,应当努力完善金融市场的基础设施;复次,应当积极开展针对贫困、中低收入等弱势群体的金融知识教育;最后,应当加大政府扶持力度。
[Abstract]:Inclusive finance is an effective means to achieve "accurate poverty alleviation". From 2015, the Government work report points out that the development of inclusive finance will become one of the directions of our government's financial work in the future.Although there is no accurate definition of inclusive finance, scholars agree that the core of inclusive finance is to let the disadvantaged groups, such as poor, middle and low income groups, enjoy the benefits of financial services.At present, the main factors affecting the development of inclusive finance in China include macroeconomic factors, legal and policy factors, financial innovation factors, and demand factors.The main problems in the development of inclusive finance in China are the contradiction of business purpose and the lack of financial knowledge of the demanders.In view of the main factors affecting the development of inclusive finance and the existing problems, this paper puts forward the following suggestions: firstly, the government should actively guide and formulate relevant policies and regulations to reduce the operating costs of small and micro financial companies.Finally, government support should be increased.
【作者单位】：淮北市实验高级中学;
【分类号】：F832

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