本文選題：普惠金融　切入點(diǎn)：互聯(lián)網(wǎng)金融　出處：《吉林財經(jīng)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：金融在促進(jìn)經(jīng)濟(jì)發(fā)展、社會福利水平提高等方面發(fā)揮著重要的作用,然而由于信息不對稱、違約風(fēng)險大等原因,貧困人群往往被排擠在金融的門外,為充分發(fā)揮金融的資源配置作用,使得人人都能享有金融權(quán),“普惠金融”概念應(yīng)運(yùn)而生,世界各國開始探索普惠金融發(fā)展模式,學(xué)術(shù)界也對“普惠金融”展開了深入的研究。我國從早期的政府扶持性金融項(xiàng)目到2016年國務(wù)院印發(fā)普惠金融專項(xiàng)文件可以看出,我國對普惠金融發(fā)展的重視程度日益提高,已經(jīng)將其從籠統(tǒng)的扶貧項(xiàng)目中獨(dú)立出來,進(jìn)行專門的研究,普惠金融體系日漸完善。然而作為一項(xiàng)新興的課題,對其發(fā)展的研究仍處于初級階段,單純依靠政策支持傳統(tǒng)金融推行普惠金融產(chǎn)品已經(jīng)不能滿足普惠金融的巨大需求,本文通過對傳統(tǒng)金融背景下普惠金融的發(fā)展現(xiàn)狀及問題進(jìn)行研究,發(fā)現(xiàn)互聯(lián)網(wǎng)金融在一定程度上可以解決這些問題,促進(jìn)普惠金融的發(fā)展。互聯(lián)網(wǎng)金融和普惠金融是兩個相對獨(dú)立的課題,本文深入分析互聯(lián)網(wǎng)金融的特性,在此基礎(chǔ)上運(yùn)用金融創(chuàng)新理論、產(chǎn)業(yè)結(jié)合理論等對互聯(lián)網(wǎng)金融背景下的普惠金融發(fā)展進(jìn)行了深入研究,并提出互聯(lián)金融在促進(jìn)普惠金融的過程中存在的問題,通過分析國外普惠金融發(fā)展模式,總結(jié)國外發(fā)展普惠金融的經(jīng)驗(yàn),利用理論與實(shí)際分析相結(jié)合的方法,把這些經(jīng)驗(yàn)應(yīng)用在互聯(lián)網(wǎng)金融發(fā)展中,提出利用互聯(lián)網(wǎng)金融發(fā)展普惠金融的對策。
[Abstract]:Finance in promoting economic development, plays an important role to improve the level of social welfare, but because of the information asymmetry, the risk of default and other reasons, the poor often marginalized in the financial resources allocation for the door, give full play to the role of finance, so everyone can enjoy financial rights, Inclusive Finance concept came into being, the world all countries began to explore the development of Inclusive Finance mode, the academic circles also conducted in-depth research on the Inclusive Finance. From the early days of government financial support to the project in 2016 the State Council issued the inclusive finance special file can be seen, our country attaches great importance to the development of Inclusive Finance degree increasing, has been from the general poverty alleviation project independent, specialized research, inclusive financial system gradually improved. However, as a new subject, research on its development is still in the initial stage Relying solely on traditional financial support policy, the implementation of inclusive financial products has been unable to meet the huge demand of Inclusive Finance, based on the research of current situation and problems of the development of inclusive financial traditional financial background, found that Internet banking can solve these problems to a certain extent, promote the development of Inclusive Finance. Internet financial and inclusive finance is relatively two independent project, this paper in-depth analysis of the characteristics of the Internet finance, based on the theory of financial innovation, combined with the theory of Internet financial industry under the background of inclusive financial development conducted in-depth research, and put forward the Internet banking in the process of promoting inclusive financial problems in abroad by analyzing the inclusive financial development model, summarize the development inclusive finance foreign experience, using the combination of theoretical and practical analysis, the experience of application in Internet In the development of net finance, we put forward the Countermeasures of utilizing the Internet finance to develop the Inclusive Finance.

【學(xué)位授予單位】：吉林財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F832

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