促进普惠金融发展需要构建竞争性市

发布时间：2018-04-25 06:40

本文选题：移动金融 + 普惠金融　；参考：《南方金融》2017年05期

【摘要】：近年来,非洲移动金融业务发展迅速,其所提供的支付、资金汇划和小额融资便利服务,有效改善了经济落后地区的金融服务,为很多不能享受银行服务的群体提供了类银行服务。本文通过阐述并对比分析肯尼亚和坦桑尼亚两国移动金融服务的竞争性问题,从移动金融服务的主要功能、存在障碍及监管政策等方面进行研究,指出有效竞争是提升普惠金融服务效能的核心,监管部门要在银行、移动网络运营商和其他供应商之间公平地执行规则,识别并破解影响金融包容性的壁垒,推动构建竞争性市场,以此促进普惠金融发展。我国可以借鉴肯尼亚和坦桑尼亚的经验,按照市场化原则引入竞争机制,推动农村地区移动金融业务发展;完善外部监管分工和协调机制,促进普惠金融市场有效竞争,实现普惠金融持续、健康发展。
[Abstract]:In recent years, mobile financial services in Africa have developed rapidly. The payment, transfer of funds and microfinance facilities provided by Africa have effectively improved financial services in economically backward areas. For many people who do not have access to banking services to provide similar banking services. In this paper, the competitiveness of mobile financial services in Kenya and Tanzania is compared and analyzed. The main functions, obstacles and regulatory policies of mobile financial services are studied in this paper. It is pointed out that effective competition is the core of improving the efficiency of inclusive financial services, and regulators should fairly enforce the rules among banks, mobile network operators and other suppliers to identify and break down barriers that affect financial inclusiveness. To promote the development of inclusive finance by promoting the construction of competitive market. Our country can draw lessons from the experience of Kenya and Tanzania, introduce competition mechanism according to the principle of marketization, promote the development of mobile financial business in rural areas, perfect the external supervision division and coordination mechanism, and promote the effective competition of inclusive financial market. To achieve sustainable and healthy development of inclusive finance.
【分类号】：F831.2

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