山西票号的业务创新对发展普惠金融的启示

The Inspiration of the Business Innovation of Shanxi Exchange Shop to the Growth of Inclusive Finance

山西票号经营的金融业务在当时是首创,并且在存、放、汇三大银行传统业务上采取了金融远期这一创新的业务形式,山西票号的业务对象包括个人、商号、政府等所有的经济主体,这与当今的普惠金融理念是一致的。因此,当前山西普惠金融体系的构建,可以吸取山西票号的历史经验:应深度挖掘山西票号的创新理念,并提炼其在业务经营管理过程中形成的金融文化和金融伦理;应设计融入地方传统文化和金融伦理的普惠金融发展路径;应创新服务“三农”、小微企业、低收入人群的金融产品。

Shanxi Exchange Shop made many innovations in finance,and invented long-term banking in traditional business like deposits,releases,and exchange.They served economic entities including individuals,firms and government,which is consistent with the current inclusive financial concepts.Therefore,the construction of the Shanxi inclusive financial system can absorb the historical experience.We should explore the innovative concept of Shanxi Exchange Shop in depth,and summarize the financial culture and financial ethics formed in the process of business management.We should design financial growth paths adjusting to local traditional culture and financial ethics and put forward innovative financial products that serve agriculture,small and micro enterprises,and low-income people.