普惠金融的制度、技术与组织创新

Institutional,Technological and Organizational Innovations for Inclusive Finance

社会主义市场经济下的金融发展路径是包容型金融发展,而不是分流型金融发展,其目标是实现社会公平和共同富裕。以人民为中心的金融体系,是以全面满足人民的金融需求、服务国家发展战略和保障国家金融安全为宗旨的金融体系,是普惠性、战略性和安全性的统一。国家应在制度层面上努力构建以人民为中心的金融体系,各类金融机构通过制度、组织和机制创新,通过“下沉式服务模式”、“滴灌式服务模式”和“贴身式服务模式”实现对小微群体的全方位服务。

The path of financial development under a socialist market economy is inclusive,not diversionary financial development,whose goal is to achieve social equity and common prosperity.A people-centered financial system aims to comprehensively meet people’s financial needs,serve national development strategies and guarantee national financial security,and therefore combines inclusiveness,strategy and security.The government should strive to build a people-centered financial system at the institutional level.In the meantime,through institutional and organizational innovations,various financial institutions can provide comprehensive services to individuals as well as small and micro enterprises through "sinking service mode","drip service mode" and "personalized service mode".