中国普惠金融发展的理论框架及路径——一个文献综述

The Theoretical Framework and Path of China's Inclusive Financial Development——a Literature Review

普惠金融是中国深化金融体制改革的重要内容,其健康快速发展对提高低收入群体及中小企业的金融服务可获性具有重要的现实意义。普惠金融作为一种金融发展的新思路已经被社会所认可,成为学者讨论的热点问题。论文通过对相关实践及研究文献进行梳理,综合运用归纳、演绎、比较等研究方法,对普惠金融的内涵、理论框架进行了述评,并对普惠金融发展的国际经验进行简要介绍,最后进行研究总结,并参照中国具体国情,对应普惠金融体系框架的四个层面,提出四个普惠金融的发展路径。

Inclusive finance is an important part of China’s deepening financial system reform.Its healthy and rapid development is of great practical significance to improve the financial services availability of low-income groups and small or medium-sized enterprises.As a new idea of financial development,inclusive finance has been recognized by society and has become a hot issue for scholars to discuss.Through reviewing relevant practice and research literature,this dissertation summarizes the connotation and theoretical framework of inclusive finance by comprehensively using the research methods of induction,deduction and comparison,and then introduces the international experience of the development of inclusive finance.At last,this paper summarizes the research and draws reference to China’s specific national conditions and proposes four development paths for inclusive finance in response to the four levels of the inclusive financial system framework.