银行业市场结构视域下的普惠金融发展文献综述

The Literature Review about Chinese Inclusive Finance Development on the Perspective of Banking Structure

作为普惠金融实践的主要参与者,一国(地区)银行业市场结构优化,即银行业集中度下降,能够促进各类银行业机构的发展,使得私有部门可以以公平的价格获得可持续性的正规金融服务,进而促进一国(地区)普惠金融发展。银行业市场结构内不同类型银行业机构会根据自身"比较优势",在普惠金融发展过程中发挥其必要的积极作用,而且通过不断地调整与优化,形成适合地区产业结构、经济结构特点的银行业市场结构,通过金融业务与模式创新、金融基础设施布局优化等途径促进普惠金融的可持续稳健发展。

As the main participant in the inclusive finance practice, the optimization of banking structure in a country （region）, namely the decline of banking concentration, can promote the development of all kinds of banking institutions, the private sector can obtain sustainable formal financial services at a fair price, and promote its inclusive finance development. According to their own ＂comparative advantage＂, different types of banking institutions will play a necessary and positive role in the process of inclusive financial development. Through adjustment and optimization, a banking structure which is suitable for the industrial structure and economic structure of the country （region） can be formed, and the sustainable and stable development of inclusive finance will be promoted through means such as finan- cial business and model innovation, the optimization of financial infrastructure and so on.