银行业保险业支持促进共同富裕的路径构想——中国银保监会博士后科研工作站第三届学术研讨会综述

The Supporting Path of Banking and Insurance Industry for Achieving Common Prosperity——Summary of the 3rd Academic Symposium of CBIRC Post-doctoral Research Center

2022年4月28日,中国银保监会博士后科研工作站组织召开第三届学术研讨会,主题为“银行业保险业支持促进共同富裕的路径构想”。来自中国宏观经济研究院、中国财政科学研究院、中国人民银行金融研究所、浙江大学、上海高金金融研究院、银行保险机构及中国银保监会等18家单位的60余名专家和博士后研究人员参会。会上,十位专家和研究人员重点围绕银行业和保险业支持共同富裕的理论和实践、金融助力实现共同富裕目标的路径及政策等展开了讨论。根据研讨会主题,本文从普惠金融、养老金融、绿色金融、金融科技和金融监管等方面对金融支持共同富裕进行了文献综述,梳理了金融支持共同富裕的实践。研究认为,金融促进共同富裕是金融政治性、人民性的本质所决定的,也是金融业供给侧结构性改革和高质量发展的重要内容;要持续优化金融结构,努力提升金融的包容性、协调性;要充分利用金融科技手段,提升金融资源配置效率;要强化金融监管,保护居民财产安全。

The post-doctoral research station of China Banking and Insurance Regulatory Commission organized the third academic seminar with the theme of"The Supporting Path of Banking and Insurance Industry for Achieving Common Prosperity"in 28 April 2022.More than 60 experts and postdoctoral researchers from 18institutions including Academy of Macroeconomic Research,Chinese Academy of Fiscal Sciences,The People’s Bank of China(PBOC)Financial Research Institute,Zhejiang University,Shanghai Advanced Institute for Financial Research,Banking and Insurance Institutions and China Banking and Insurance Regulatory Commission participated in the meeting.At the meeting,ten experts and researchers focused on the theory and practice of the banking and insurance industry to support common prosperity,the path and policy recommendations of finance to help achieve the goal of common prosperity.According to the theme of the seminar,this paper reviews the literature of financial support for common prosperity from the aspects of inclusive finance,pension finance,green finance,financial technology and financial supervision.We sort out the practice of financial support for common prosperity.The study shows that the financial support for common prosperity is determined by the nature of financial politics and people.It is also an important part of the supply-side structural reform and high-quality development of the financial industry.It is necessary to continuously optimize the financial structure and strive to improve the inclusiveness and coordination of finance;make full use of financial technology to improve the efficiency of financial resource allocation;strengthen financial supervision and protect the safety of residents’property.