中国普惠金融可持续性研究
发布时间：2022-01-18 20:22
普惠金融自2005年由联合国提出以来在世界各地快速增长。近年来,普惠金融的可持续性成为重要的议题。与此同时,在大数据时代发展的背景下,整个金融体系所面临的外在制度约束和信息不对称局面得到了缓解,金融抑制的基础已经松动,整个普惠金融的格局面临着互联网经济和金融的冲击。在这种背景下,普惠金融的发展可持续性面临着更多的机遇和挑战。本文研究中国的普惠金融发展及其可持续性,勾勒中国普惠金融在城乡二元结构背景下及中国城市化进程中可持续性的特点和作用。本文认为,普惠金融可持续性在中国具有其自身特点,它和中国的城市化发展进程相关,并受限于中国的城乡二元结构,体现了发展阶段不完善、东西发展不平衡、金融市场存在一定程度分割性的特点。本文的研究发现,现阶段中国政府对普惠金融的影响力和控制力具有其独特性,这就使得中国普惠金融发展速度较快,但同时面临监管不力的问题。结合这些时代特征,本文对中国普惠金融机构进行了 FSS分析,发现:中国的互联网金融平台的财务可持续性目前尚处于比较健康的状态。普惠金融在东南亚各国的发展水平情况各异,其中菲律宾的非政府组织“农业与乡村发展中心”（CARD）使贫困阶层妇女实现了经济自立...
【文章来源】：厦门大学福建省 211工程院校 985工程院校 教育部直属院校
【文章页数】：180 页
【学位级别】：博士
【文章目录】：
摘要
ABSTRACT
LIST OF ABBREVIATIONS
Chapter 1: Introduction
1.1 Topic Selection Background
1.1.1 Fast Development of Inclusive Finance in the World and China
1.1.1.1 Development of Inclusive Finance in the World
1.1.1.2 Development of Inclusive Finance in China
1.1.1.3 Development of Inclusive Finance in Indonesia and the Philippines
1.1.1.4 Prominent Issue of the Sustainability of Inclusive Finance
1.2 Research Significance
1.3 Definition of Related Concepts
1.4 Aims of this study
1.5 Methodology
1.6 Innovation and Deficiencies
1.7 Literature Review
1.7.1 Review of International Research
1.7.2 Review of Domestic Research
Chapter 2: Theories and Indicator System of the Study on the Sustainability of Inclusive Finance
2.1 Theories Regarding the Sustainability of Inclusive Finance
2.1.1 Dual Goal Theory of Inclusive Finance’s Sustainability
2.1.2 Governance Theory of Inclusive Financial:Social Performance Evaluation and Management
2.1.3 Dynamic Sustainability Theory of Inclusive Finance
2.1.3.1 Essence of the Sustainability of Inclusive Finance:Dynamic Balance after Financial Deepening
2.1.3.2 Dynamic Sustainability of Inclusive Financial Institutions:RiskIdentification and Avoidance
2.1.3.3 Dynamic Sustainability of Inclusive Finance on the Demand Side:Financial Inclusion and Poverty Alleviation
2.1.3.4 Dynamic Sustainability of Inclusive Financial Systems:Dynamic Quantitative Management
2.2 Inclusive Finance System Framework
2.2.1 Providers of Inclusive Finmice
2.2.2 Demanders of Inclusive Finance
2.2.3 Operational Efficiency of Inclusive Financial System
2.2.4 Financial Infrastructure and Service Quality
2.2.5 Policies and Systems
2.3 Indicator System of Inclusive Finance
2.3.1 Efficiency Indicator:Interest Rates and Interest Rate Control
2.3.2 Financial Facilities and Service Quality: Indicator of Fair Access
2.3.2.1 Transparency: An Important Indicator of Fairness
2.3.2.2 Management and Utilization of Information
2.3.2.3 Technical Support Services
2.3.2.4 Business Associations and Networks
2.3.2.5 Financial Infrastructure
2.3.3 Policies and Systems: Indicators of Competitiveness
2.4 Summary of the Framework of Inclusive Finance’s Sustainability
Chapter 3: A General Introduction to the Inclusive Finance in China
3.1 Developmental Situation of Inclusive Finance in China
3.2 Financial Sustainability of Providers of Inclusive Financial Services in China
3.3 Financial Sustainability of Demanders of Inclusive Financial Services in China
3.4 External Driving Forces of Inclusive Financial Development in China
3.4.1 The United Nations
3.4.2 Financial Reform after the American Financial Crisis -663.4.3 Financial Fairness
3.4.3 Financial Fairness
3.4.4 Financial Globalization
3.4.5 Disparity Between the Rich and the Poor
3.5 Internal Driving Forces of Inclusive Financial Development in China
3.5.1 Impact of Technology
3.5.2 Government Promotion
3.6 Summary
Chapter 4: Sustainability of Inclusive Finance in China
4.1 Special Background of the Sustainability of Inclusive Finance in China:Urban-rural Dual structure
4.1.1 Urban-rural Dual Structure in China
4.1.2 Financial Embodiment of Urban-rural Dual Structure
4.1.3 Main Demanders of Inclusive in China: Demand-oriented Financial Supply
4.1.4 Sustainability of Urban Inclusive Finance
4.1.4.1 Characteristics of the Supply of Urban Inclusive Finance
4.1.4.2 Characteristics of the Demand for Urban Inclusive Finance
4.1.5 Sustainability of Rural Inclusive Finance
4.1.5.1 Characteristics of Riiral Inclusive Finance
4.1.5.2 Credit Cooperatives and Village Banks in Rxiral Economy
4.1.5.3 Semi-formal Inclusive Financial Institutions in Rural Economy
4.1.6 Rural Areas: Priority Areas in Dealing with the Issue of the Sustainability of Inclusive Finance in China
4.1.7 Inclusive Finance in Urban and Rural Areas
4.2 Sustainability of Inclusive Finance in China’s Process ofUrbanization
4.2.1 Urban-rural Dual Structure is Anti-urbanization
4.2.2 Urbanization: Fundamental Way out for Rural Inclusive Finance
4.3 Advantages in China's Inclusive Finance:Late-mover Advantageswith the Development of Information Technology
4.4 Existing Problems in China’s Inclusive Financial System
4.4.1 Outstanding Problems of Urban Inclusive Finance
4.4.2 Insufficient Rural Funds
4.4.3 Government Laws，Policies and Regulations:China’s Practical Problems
4.5 Summary
Chapter 5: Model Construction and Empirical Analysis
5.1 Definition of the Sustainability of Inclusive Financial Institutions
5.2 Model Construction
5.3 Empirical Analysis
5.4 Summary
Chapter 6: Comparative Study on the Inclusive Finance in Indonesiaand the Philippines
6.1 Development of Inclusive Finance in Indonesia
6.1.1 General Situation of Inclusive Finance in Indonesia
6.1.2 Model of Bank Rakyat Indonesia (BRI)
6.1.3 Policies and Regulations in Indonesia
6.2 Development of Inclusive Finance in the Philippines
6.2.1 Economic Background of the Philippines
6.2.2 General Situation of Inclusive Finance in the Philippines
6.2.3 Model of Inclusive Finance in the Philippines
6.3 Path Selection:Drawing Lessons from Indonesia and the Philippines
Chapter 7: Conclusion and Suggestions
7.1 Sustainability of Inclusive Finance in China’s Specific National Conditions
7.2 Suggestions
7.2.1 Establishing Multi-agent Provider Competition Mechanism
7.2.2 Strengthening the Construction of Financial Infrastructure and Optimizing Social Assistance System
7.2.3 Promoting Diversity and Full Coverage of Financial Services
7.2.4 Promoting Urbanization and Transforming the Urban-rural Dual Structure
7.3 Outlook
BIBLIOGRAPHY
APPENDIX 1: FSS 25 Sample Selection Detailed Information
APPENDIX 2:Achievements in Scientific Research during PhD's Study
ACKNOWLEDGEMENT
【参考文献】：
期刊论文
[1]农村金融供给侧改革与普惠金融体系建设[J]. 董晓林,朱敏杰. 南京农业大学学报(社会科学版). 2016(06)
[2]进一步完善中国农村普惠金融体系[J]. 吴国华. 经济社会体制比较. 2013(04)
[3]基于电子化金融服务创新的普惠型农村金融体系重构研究[J]. 郭兴平. 财贸经济. 2010(03)
[4]基于普惠金融视角的我国农村金融改革新方法[J]. 周孟亮,张国政. 中央财经大学学报. 2009(06)
[5]金融发展与城乡收入差距关系的经验分析[J]. 姚耀军. 财经研究. 2005(02)
本文编号：3595526
【文章来源】：厦门大学福建省 211工程院校 985工程院校 教育部直属院校
【文章页数】：180 页
【学位级别】：博士
【文章目录】：
摘要
ABSTRACT
LIST OF ABBREVIATIONS
Chapter 1: Introduction
1.1 Topic Selection Background
1.1.1 Fast Development of Inclusive Finance in the World and China
1.1.1.1 Development of Inclusive Finance in the World
1.1.1.2 Development of Inclusive Finance in China
1.1.1.3 Development of Inclusive Finance in Indonesia and the Philippines
1.1.1.4 Prominent Issue of the Sustainability of Inclusive Finance
1.2 Research Significance
1.3 Definition of Related Concepts
1.4 Aims of this study
1.5 Methodology
1.6 Innovation and Deficiencies
1.7 Literature Review
1.7.1 Review of International Research
1.7.2 Review of Domestic Research
Chapter 2: Theories and Indicator System of the Study on the Sustainability of Inclusive Finance
2.1 Theories Regarding the Sustainability of Inclusive Finance
2.1.1 Dual Goal Theory of Inclusive Finance’s Sustainability
2.1.2 Governance Theory of Inclusive Financial:Social Performance Evaluation and Management
2.1.3 Dynamic Sustainability Theory of Inclusive Finance
2.1.3.1 Essence of the Sustainability of Inclusive Finance:Dynamic Balance after Financial Deepening
2.1.3.2 Dynamic Sustainability of Inclusive Financial Institutions:RiskIdentification and Avoidance
2.1.3.3 Dynamic Sustainability of Inclusive Finance on the Demand Side:Financial Inclusion and Poverty Alleviation
2.1.3.4 Dynamic Sustainability of Inclusive Financial Systems:Dynamic Quantitative Management
2.2 Inclusive Finance System Framework
2.2.1 Providers of Inclusive Finmice
2.2.2 Demanders of Inclusive Finance
2.2.3 Operational Efficiency of Inclusive Financial System
2.2.4 Financial Infrastructure and Service Quality
2.2.5 Policies and Systems
2.3 Indicator System of Inclusive Finance
2.3.1 Efficiency Indicator:Interest Rates and Interest Rate Control
2.3.2 Financial Facilities and Service Quality: Indicator of Fair Access
2.3.2.1 Transparency: An Important Indicator of Fairness
2.3.2.2 Management and Utilization of Information
2.3.2.3 Technical Support Services
2.3.2.4 Business Associations and Networks
2.3.2.5 Financial Infrastructure
2.3.3 Policies and Systems: Indicators of Competitiveness
2.4 Summary of the Framework of Inclusive Finance’s Sustainability
Chapter 3: A General Introduction to the Inclusive Finance in China
3.1 Developmental Situation of Inclusive Finance in China
3.2 Financial Sustainability of Providers of Inclusive Financial Services in China
3.3 Financial Sustainability of Demanders of Inclusive Financial Services in China
3.4 External Driving Forces of Inclusive Financial Development in China
3.4.1 The United Nations
3.4.2 Financial Reform after the American Financial Crisis -663.4.3 Financial Fairness
3.4.3 Financial Fairness
3.4.4 Financial Globalization
3.4.5 Disparity Between the Rich and the Poor
3.5 Internal Driving Forces of Inclusive Financial Development in China
3.5.1 Impact of Technology
3.5.2 Government Promotion
3.6 Summary
Chapter 4: Sustainability of Inclusive Finance in China
4.1 Special Background of the Sustainability of Inclusive Finance in China:Urban-rural Dual structure
4.1.1 Urban-rural Dual Structure in China
4.1.2 Financial Embodiment of Urban-rural Dual Structure
4.1.3 Main Demanders of Inclusive in China: Demand-oriented Financial Supply
4.1.4 Sustainability of Urban Inclusive Finance
4.1.4.1 Characteristics of the Supply of Urban Inclusive Finance
4.1.4.2 Characteristics of the Demand for Urban Inclusive Finance
4.1.5 Sustainability of Rural Inclusive Finance
4.1.5.1 Characteristics of Riiral Inclusive Finance
4.1.5.2 Credit Cooperatives and Village Banks in Rxiral Economy
4.1.5.3 Semi-formal Inclusive Financial Institutions in Rural Economy
4.1.6 Rural Areas: Priority Areas in Dealing with the Issue of the Sustainability of Inclusive Finance in China
4.1.7 Inclusive Finance in Urban and Rural Areas
4.2 Sustainability of Inclusive Finance in China’s Process ofUrbanization
4.2.1 Urban-rural Dual Structure is Anti-urbanization
4.2.2 Urbanization: Fundamental Way out for Rural Inclusive Finance
4.3 Advantages in China's Inclusive Finance:Late-mover Advantageswith the Development of Information Technology
4.4 Existing Problems in China’s Inclusive Financial System
4.4.1 Outstanding Problems of Urban Inclusive Finance
4.4.2 Insufficient Rural Funds
4.4.3 Government Laws，Policies and Regulations:China’s Practical Problems
4.5 Summary
Chapter 5: Model Construction and Empirical Analysis
5.1 Definition of the Sustainability of Inclusive Financial Institutions
5.2 Model Construction
5.3 Empirical Analysis
5.4 Summary
Chapter 6: Comparative Study on the Inclusive Finance in Indonesiaand the Philippines
6.1 Development of Inclusive Finance in Indonesia
6.1.1 General Situation of Inclusive Finance in Indonesia
6.1.2 Model of Bank Rakyat Indonesia (BRI)
6.1.3 Policies and Regulations in Indonesia
6.2 Development of Inclusive Finance in the Philippines
6.2.1 Economic Background of the Philippines
6.2.2 General Situation of Inclusive Finance in the Philippines
6.2.3 Model of Inclusive Finance in the Philippines
6.3 Path Selection:Drawing Lessons from Indonesia and the Philippines
Chapter 7: Conclusion and Suggestions
7.1 Sustainability of Inclusive Finance in China’s Specific National Conditions
7.2 Suggestions
7.2.1 Establishing Multi-agent Provider Competition Mechanism
7.2.2 Strengthening the Construction of Financial Infrastructure and Optimizing Social Assistance System
7.2.3 Promoting Diversity and Full Coverage of Financial Services
7.2.4 Promoting Urbanization and Transforming the Urban-rural Dual Structure
7.3 Outlook
BIBLIOGRAPHY
APPENDIX 1: FSS 25 Sample Selection Detailed Information
APPENDIX 2:Achievements in Scientific Research during PhD's Study
ACKNOWLEDGEMENT
【参考文献】：
期刊论文
[1]农村金融供给侧改革与普惠金融体系建设[J]. 董晓林,朱敏杰. 南京农业大学学报(社会科学版). 2016(06)
[2]进一步完善中国农村普惠金融体系[J]. 吴国华. 经济社会体制比较. 2013(04)
[3]基于电子化金融服务创新的普惠型农村金融体系重构研究[J]. 郭兴平. 财贸经济. 2010(03)
[4]基于普惠金融视角的我国农村金融改革新方法[J]. 周孟亮,张国政. 中央财经大学学报. 2009(06)
[5]金融发展与城乡收入差距关系的经验分析[J]. 姚耀军. 财经研究. 2005(02)
本文编号：3595526
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