我国普惠金融发展中存在的问题及对策研究

Research on the Problems and Countermeasures in the Development of Inclusive Finance in China

普惠金融体系能够实现金融的公平化发展,保证人人都可以借助普惠金融体系得到相应的金融援助。它不仅是一种理念、一种创新、更是一种责任。当前,普惠金融是我国重点发展的金融服务方式,主要为中小企业和社会弱势群体提供金融支持,不仅能更好地满足金融服务需求,而且能为就业和经济发展做出重要贡献。本文主要根据我国普惠金融发展现状,分析存在的问题,并提出对策建议,旨在促进我国的全面发展。The inclusive finance system facilitates equitable financial development, ensuring that everyone can access appropriate financial assistance through it. It is not only a concept or an innovation but also a responsibility. Currently, inclusive finance is a key focus of China’s financial services, primarily providing support to small and medium-sized enterprises (SMEs) and vulnerable social groups. This approach not only better meets financial service demands but also contributes significantly to employment and economic growth. This paper analyzes the current state of inclusive finance development in China, identifies existing issues, and proposes countermeasures to promote comprehensive development in the country.