普惠金融发展的国际经验与政策建议

International Experience and Policy Suggestions on the Development of Inclusive Finance

普惠金融因其具有全面性、公平性、便捷性等特征,对缩小城乡收入差距、促进区域经济均衡发展具有重要贡献。虽然我国普惠金融整体发展水平显著提高,但还存在着供给不丰富、需求不旺盛、环境不完善等问题。政府、金融机构等主体需要在借鉴相关国际经验的基础上,尽快增加普惠金融供给,继续培育普惠金融需求,并不断完善普惠金融发展环境。

Because of its comprehensiveness, fairness and convenience, inclusive finance has made an important contribution to narrowing the urban-rural income gap and promoting the balanced development of regional economy. Although the overall development level of Inclusive Finance in China has improved significantly, there are still some problems, such as insufficient supply, weak demand, imperfect environment and so on. On the basis of learning from relevant international experience, governments, financial institutions and other entities need to increase the supply of Inclusive Finance as soon as possible, continue to cultivate the demand for inclusive finance, and constantly improve the development environment of Inclusive Finance.