新时代商业银行普惠金融的困境与纾解

Difficulties and Countermeasures of Inclusive Finance in Commercial Banks in the New Era

中国特色社会主义进入新时代,我国普惠金融发展也步入新阶段。近些年普惠金融领域贷款增速提高,普惠金融探索实践的成就也有目共睹。与此同时,新时代对商业银行的普惠金融也提出更高要求。普惠金融在快速发展中面临的现实困境也逐渐凸显。如何纾解困境,让普惠金融更好的满足人民群众日益增长的金融需求,显得尤为重要。本文在阐述发展普惠金融必要性的基础上,着重分析新时代普惠金融的现实困境,并尝试提出纾解之策。

Socialism with Chinese characteristics enters a new era, and the development of inclusive finance enters a new stage. Recently, the loan growth rate of inclusive finance increased, and the achievements in exploration are obvious.Also, the new era make a higher demand on the inclusive finance what was facing difficulties in rapid development.How to alleviate difficulties, and make inclusive finance to better meet the growing financial needs of people is particularly important. On the basis of expounding the necessity of inclusive finance, my paper analyzes the realistic predicament of inclusive finance, and tries to relieve it.