三论普惠金融

Further Discussion on Inclusive Finance

普惠的核心是公平、正义。普惠的存在是为了消除人生差异、社会和谐共处,不使弱势群体成为社会不稳定的因素。普惠这种制度安排需要把握两大问题:普惠的覆盖面和普惠实施过程中要消除的障碍。普惠金融是普惠制度在金融领域的具体化,也是实现普惠制度的重要途径。中国式的普惠金融的突出特点是:组织结构层次分明,运作机制点面结合,实现目标精准扶贫。目前,建立和发展普惠金融的时代背景已经发生变化,普惠金融本身的功能正在发生变化,普惠金融的作用面涉及全球,普惠金融的普惠也将逐步深化。

The core of inclusive finance is fairness and justice. Why there is inclusive finance is to eliminate differences in life and social harmony,not to make vulnerable groups become social instability factors. Two major issues need to be grasped for the institutional arrangements of inclusive finance： the coverage and the obstacles to be eliminated in the implementation process of inclusive finance. Inclusive finance is the embodiment of the inclusive institution in the financial sector,but also an important way to achieve the inclusive finance institution. The prominent features of China ＇s inclusive finance are： a clear organizational structure, a combined operation mechanism with point and plane,achieving the goal of ＂taking targeted measures in poverty alleviation ＂. At present,the background for the establishment and development of inclusive finance has changed,and the function of inclusive finance is changing; the coverage of inclusive finance involves the world,and the inclusive role of inclusive finance will be gradually deepened.