普惠金融与金融服务均衡化——以浙江与江苏两省为例

Inclusive Finance and Financial Service Equalization——A Case Study of Zhejiang and Jiangsu Provinces

本文归纳和总结国内外有关金融服务均衡化的相关文献,从中提炼并设计金融服务均衡化衡量指标体系,并借鉴国外城乡金融均衡发展的典型模式、成功经验及其启示。在此基础上,系统比较、评估和衡量江浙两省当前金融服务均衡化程度,进而提出推进金融服务均衡化的相关建议:在法规层面上,健全农村金融服务法律体系;在政策层面上,激励和吸引各类金融机构"下沉";在服务层面上,打造普惠金融服务体系;在技术层面上,大力推广和普及互联网金融;在保障层面上,建设完善的农村金融保险制度;在人才层面上,加大农村金融人才建设力度。

This paper summarizes domestic and foreign literatures related to financial service equalization. Based on the literatures, the paper designs an indicator system to measure financial service equalization, and extracts the typical pattern, successful experience and lessons from the overseas urban-rural financial equalization development. Then the paper compares, evaluates and measures the levels of financial service equalization of Zhejiang and Jiangsu provinces, and puts forward suggestions to promote financial service equalization: establishing a perfect legal system of rural financial services, encouraging financial institutions to provide services in rural areas, establishing a system of inclusive financial services, promote the development of internet finance, establishing a perfect system of rural financial insurance, strengthening the training of rural financial personnel.