金融发展如何更好地改善收入分配:理论进展与中国对策

How does Financial Development Improve Income Distribution:Theory Development and Countermeasures of China

本文对国外金融发展改善收入分配的作用机制方面的最新研究成果进行了综述,并提出要使中国下一步的金融发展起到改善收入分配状况、使全体人民分享经济增长成果的作用,就必须不断放松金融管制,降低市场主体准入门槛;力求建立"普惠式"的金融体系;进一步加大金融开放力度,大力促进金融业的竞争;加快利率市场化改革;构建有利于中小企业融资活动的金融体系;大力发展微型金融机构,促进小额信贷发展;加快新兴技术在金融领域的应用,以不断降低金融体系的成本;加大金融业对人力资本投资的支持力度等。

Based on literature review of the mechanism of how financial development improves income distribution overseas, this paper proposes the relative countermeasures for China. It concludes that we should loosen financial regulations, and lower market anticipation level to ensure the whole society can take advantage of economy development;open the financial market to higher degree, and promote the competition; accelerate interest rate marketization; build up a financial system which facilitates SMEs financing; develop micro-financial institutions and micro loans; develop technology and its application in fi- nancial areas, in order to lower financial cost; develop the financial industry support on human capital investment, etc.