【摘要】：“普惠金融”作為重要的民生工程已經(jīng)提升到我們黨和國家的重要戰(zhàn)略布局中。在我國提出加快轉(zhuǎn)變政府職能以及市場在資源配置中發(fā)揮決定作用的背景下,由于普惠金融具有的準(zhǔn)公共產(chǎn)品性質(zhì),其在實(shí)際推廣中必然會(huì)受到市場失靈、金融排斥、機(jī)會(huì)不均、立法缺失、金融生態(tài)失衡等眾多原因的影響,因此金融服務(wù)市場和金融機(jī)構(gòu)難以自發(fā)形成普惠金融體系,這就必須由政府這只看得見的手去矯正、解決市場失靈和金融排斥等對普惠金融的發(fā)展造成的影響。但是又由于政府過多的干預(yù)市場經(jīng)濟(jì)活動(dòng)造成的政府失靈嚴(yán)重制約普惠金融的市場化進(jìn)程,這就需要市場的資源配置作用去糾正政府失靈。普惠金融作為一種新觀點(diǎn)、新體系在實(shí)際發(fā)展中存在著政府失靈、市場失靈等問題,為了克服政府失靈、市場失靈等問題就需要發(fā)揮政府和市場雙引擎作用共同配合推進(jìn)普惠金融的發(fā)展。為克服政府失靈,市場在普惠金融發(fā)展中應(yīng)該提供一個(gè)具有競爭性的市場環(huán)境;發(fā)揮其刺激作用促使資金流入和技術(shù)進(jìn)步;發(fā)揮傳遞正能量信息的作用。而為了克服市場失靈,在普惠金融發(fā)展中應(yīng)積極發(fā)揮政府作用,實(shí)踐中政府應(yīng)該做好普惠金融的倡導(dǎo)者,提供健康的金融體系,加大金融基礎(chǔ)設(shè)施的投資力度發(fā)展創(chuàng)新金融工具,降低市場的準(zhǔn)入門檻提高競爭性和活力,提供微觀領(lǐng)域的靶向政策,提高弱勢群體的金融教育水準(zhǔn)。通過市場和政府的雙重作用使普惠金融這一準(zhǔn)公共產(chǎn)品在實(shí)踐中真正發(fā)揮其有效作用,能夠讓社會(huì)各階層人民都能獲得現(xiàn)代金融提供的產(chǎn)品和服務(wù)。
[Abstract]:As an important livelihood project, inclusive Finance has been promoted to the important strategic layout of our party and country. Under the background of speeding up the transformation of government functions and the decisive role of the market in the allocation of resources in China, due to the quasi-public goods nature of inclusive finance, it will inevitably be rejected by market failure and financial exclusion in its practical promotion. Uneven opportunities, lack of legislation, imbalance of financial ecology, and so on. Therefore, it is difficult for the financial services market and financial institutions to spontaneously form an inclusive financial system. This must be corrected by the visible hand of the government. Solve the market failure and financial exclusion on the development of inclusive finance. However, the government failure caused by excessive government intervention in market economy seriously restricts the marketization process of inclusive finance, which requires the role of market resource allocation to correct government failure. As a new viewpoint, the new system of inclusive finance has many problems, such as government failure, market failure and so on. In order to overcome the government failure, Market failure and other problems need to play a dual-engine role of government and market to promote the development of inclusive finance. In order to overcome the government failure, the market should provide a competitive market environment in the development of inclusive finance; play its stimulating role to promote capital inflow and technological progress; and play the role of transmitting positive energy information. In order to overcome market failure, the government should play an active role in the development of inclusive finance. In practice, the government should be the advocate of inclusive finance and provide a healthy financial system. Increasing investment in financial infrastructure to develop innovative financial instruments, lowering market entry barriers, improving competitiveness and vitality, providing targeted policies in the micro field, and raising the level of financial education for vulnerable groups. Through the dual role of market and government, inclusive finance, which is a quasi-public product, can really play its effective role in practice and enable people of all social strata to obtain the products and services provided by modern finance.
【學(xué)位授予單位】：延安大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832;D630

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