我国普惠金融:研究述评、科学认知及发展路径展望

Inclusive finance in China: literature review,scientific cognition and development path outlook

普惠金融已成为我国金融发展战略的现实选择,从理论上全面深入认识普惠金融具有重要的实践价值。普惠金融的宗旨并不仅仅是为了满足弱者金融服务权的需求,其根本方向是要建立一个更加包容、更加市场化、适应性更强的能满足经济社会发展的动态的、多元化的金融需求的金融供给体系。普惠金融是高效率金融的体现和标志。然而,国内普惠金融研究与实践要求仍有较大距离。发展普惠金融需要有科学的认知水平并在此基础上对普惠金融发展路径进行理性思考。

Inclusive finance has become the realistic choice of Chinese financial development strategy. Having in -depth theoretical knowledge of inclusive finance is of important practical value. The purpose of inclusive finance is not merely to meet the financial service demand of weak group. Its fundamental orientation is to build a financial supply system, which has more inclusion, 8reater marketization and better adaptability, and can meet the dynamic and diversified demand of economic and social development. However, the research of inclusive finance at home has larse Sap with practice. Furthermore, inclusive financial development needs to have a scientific cosmtion level, and on this basis rational thinking on its development path.