發(fā)布時(shí)間：2019-03-23 17:18

【摘要】：我國經(jīng)濟(jì)經(jīng)過30多年的發(fā)展,取得舉世矚目的成就,但是,也出現(xiàn)了諸多消極現(xiàn)象,如收入差距不斷擴(kuò)大等。金融方面也不容樂觀,仍然很多窮人沒有儲(chǔ)蓄賬戶,有很多人不能享受到正規(guī)金融機(jī)構(gòu)的服務(wù),現(xiàn)有金融體系的弊端已越來越明顯。 普惠性金融體系(inclusive financial system)的基本概念是能有效、全方位地為社會(huì)所有階層和群體提供服務(wù)的金融體系。國外的實(shí)踐證明,普惠性金融體系是緩解金融排斥、縮小城鄉(xiāng)收入差距,促進(jìn)經(jīng)濟(jì)包容性增長的有效途徑。普惠性金融體系是對(duì)現(xiàn)存的金融體系的反思與揚(yáng)棄,可以那些被排斥于傳統(tǒng)金融服務(wù)和整體經(jīng)濟(jì)增長軌道之外的貧困人群和弱勢群體都納入金融服務(wù)范圍,讓他們也能分享到經(jīng)濟(jì)增長所帶來的福利改善。 本文首先梳理了普惠性金融的理論淵源,從金融發(fā)展理論出發(fā),結(jié)合小額信貸理論、微型金融研究和普惠性金融的相關(guān)研究,完善了普惠性金融理念的形成與發(fā)展過程,并論證了普惠性金融與包容性增長是一脈相承的關(guān)系。然后通過選取相關(guān)指標(biāo)體系構(gòu)建普惠性金融指數(shù)(IFI),以普惠性金融指數(shù)為基礎(chǔ),比較中國與其他國家的金融普惠性水平,從中可以得到我國金融普惠性水平在國際上的位置。此后,以普惠性金融指數(shù)的國際比較為基礎(chǔ),重點(diǎn)分析了影響中國普惠性金融的因素,在合理借鑒國外推進(jìn)普惠性金融發(fā)展的經(jīng)驗(yàn)的同時(shí),提出推進(jìn)中國普惠性金融的發(fā)展的政策和建議。
[Abstract]:After more than 30 years of development, China's economy has achieved remarkable achievements, but there are also many negative phenomena, such as the widening of income gap. The financial side is also not optimistic, many poor people still do not have savings accounts, many people do not have access to the services of formal financial institutions, the shortcomings of the existing financial system has become increasingly evident. The basic concept of inclusive financial system (inclusive financial system) is a financial system that can effectively and omni-directionally provide services to all sectors and groups of society. Foreign practice has proved that inclusive financial system is an effective way to alleviate financial exclusion, narrow the income gap between urban and rural areas, and promote inclusive economic growth. The inclusive financial system is a reflection and abandonment of the existing financial system, and can be included in the scope of financial services for those poor and disadvantaged groups who are excluded from the track of traditional financial services and overall economic growth. Let them also share the welfare improvements brought about by economic growth. This article first combs the theoretical origin of inclusive finance, from the financial development theory, combines the micro-credit theory, micro-finance research and the relevant research of inclusive finance, improves the formation and development process of inclusive finance concept. It also proves that inclusive finance and inclusive growth are the same. Then through selecting the relevant index system to construct the inclusive financial index (IFI), based on the inclusive financial index, this paper compares the financial inclusive level between China and other countries. From this, we can get the position of our financial inclusive level in the world. After that, on the basis of the international comparison of inclusive financial index, this paper analyzes the factors affecting inclusive finance in China. At the same time, while reasonably drawing lessons from the experience of foreign countries in promoting the development of inclusive finance, Put forward policies and suggestions to promote the development of inclusive finance in China.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.1

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