普惠金融研究进展与展望

Research Progress and Prospect of Inclusive Finance

作为小额信贷和微型金融的延伸与发展,普惠金融旨在满足所有地区有需求的人平等的享受金融服务。从普惠金融的起源、发展及内涵、概念角度出发,研究金融排斥、金融包容性增长等理论基础,发现小额贷款、微型金融领域的创新,将扩大弱势群体获得正规金融服务的范围。当前互联网金融异军突起,基于互联网的普惠金融创新,将为普惠金融带来更大的发展空间。鉴于农业系统性风险与中小企抵抗市场波动的脆弱性,自然、信用、环境和政策等风险及负面影响因素阻碍着普惠金融的发展,对普惠金融的监管提出了更多挑战,互联网与普惠金融创新融合发展的同时,也带了新的风险,监管也只能在发展中不断探索。目前,针对普惠金融发展测度、制定标准风险指标体系及完善监管措施的研究,将会为普惠金融发展提供重要支撑。

As an extension and development of micro credit and micro finance, inclusive finance aims to provide equal financial services for peoples with the needs in all regions. From the perspective of the origin, development and connotation and concept of financial inclusion, financial exclusion and financial inclusive growth theory are surveyed. The innovation of microfinance and micro finance are found. The scope of formal financial services to the vulnerable groups will be expanded. At present, the sudden emergence of Internet banking and the inclusive financial innovation based on internet will bring about larger development space for the inclusive finance. In view of the risk of agricultural system and the vulnerability of small and medium enterprises to resist market fluctuations, the nature, credit, environment and policy risks and negative influencing factors hinder the development of inclusive finance and bring greater challenges to regulation of inclusive finance. While the Internet and inclusive financial innovation have integrative development, it brings about new risks as well and regulation needs continuous exploration only in the development. At present, the research on the inclusive financial development measures, the development of standard risk index system and improving the regulatory measureswill provide an important support for the development of inclusive finance.