摘要
普惠金融提出的原因是金融排斥下经济稳定发展受阻,因此设计有效的普惠金融制度必须解决金融排斥问题,而不是所谓的持久性金融救助和政策补贴。中国金融排斥的主要类型是经济发展战略、金融制度安排、金融市场结构、社交关系支配、风险评估约束。解决金融排斥和提高金融包容,本质上要针对性地解决这些排斥,使金融体系具备这样的功能——突破现有的金融风险管理瓶颈,为对社会发展有价值、有贡献的资金需求项目提供一种公平的融资机会。真正实现普惠金融的发展,需要调整现有的金融制度、提升风险管理水平、推进金融市场分层和提高竞争程度,而这些方法有效实施的基础仍然是公平、高效的法律体系和信用体系。
Inclusive finance is proposed for the blocked economic development in the background of financial exclusion. So, rather than the so-called persistent financial aid and subsidy policy, the design and implementation of an effective inclusive financial system must also necessarily solve the problem of financial exclusion. The main types of financial exclusion in China are economic development strategy, financial institutional arrangements, financial market structure, dominated social relations, and risk assessment constraint. Solving the problem of financial exclusion and improving financial inclusion must make the financial system break existing bottlenecks of financial risk management and own such function that provides fair financing opportunities for projects which are valuable for the development of the society. In order to truly develop inclusive finance, it is essential to adjust existing financial system, to improve risk management, and to promote stratification and the degree of competition in financial market. The basis for the effective implementation of these methods is still fair and efficient legal system and credit system.
出处
《财贸经济》
CSSCI
北大核心
2015年第3期5-16,共12页
Finance & Trade Economics
基金
国家社会科学基金"区域风险
适度分权与地方金融体系改革研究"(14BJY192)
关键词
金融排斥
金融包容
普惠金融
Financial Exclusion, Financial Inclusion, Inclusive Finance
