普惠金融研究现状及对策建议

Literature Review of Inclusive Finance in China

金融排斥现象的存在,使得许多弱势群体对于多样化的金融服务没有合适的获取渠道,从而阻碍了资金融通,抑制了经济增长。金融普惠性理论是在小额信贷以及微型金融基础上发展起来的。在金融体系的建设中,普惠金融理念的贯彻不仅可以减少金融排斥,提高各地区金融普惠性水平,而且可以促进经济发展,是减少贫困的有利手段。梳理了国内外普惠金融相关文献,并对研究成果进行整理归纳,旨在为我国普惠金融体系的建设提供一个更全面、更丰富的理论认识框架。

The existence of Financial Exclusion leads to many vulnerable groups do not have appropriate access to diversified financial services, thus hindering the financing and inhibiting economic growth. Financial Inclusion theory is developed on the basis of micro credit and micro finance. In the construction of the financial system, the implementation Of the concept of Inclusive Finance can not only reduce financial exclusion, improve the level of financial inclusion in various regions, but also promote economic development, which is favorable means to reduce poverty. This paper reviews domestic and foreign literature on Inclusive Finance, and summarizes the research results in order to provide a more comprehensive and rich theoretical framework for the construction of inclusive financial system in china.