發(fā)布時(shí)間：2022-01-18 20:22

　　普惠金融自2005年由聯(lián)合國(guó)提出以來在世界各地快速增長(zhǎng)。近年來,普惠金融的可持續(xù)性成為重要的議題。與此同時(shí),在大數(shù)據(jù)時(shí)代發(fā)展的背景下,整個(gè)金融體系所面臨的外在制度約束和信息不對(duì)稱局面得到了緩解,金融抑制的基礎(chǔ)已經(jīng)松動(dòng),整個(gè)普惠金融的格局面臨著互聯(lián)網(wǎng)經(jīng)濟(jì)和金融的沖擊。在這種背景下,普惠金融的發(fā)展可持續(xù)性面臨著更多的機(jī)遇和挑戰(zhàn)。本文研究中國(guó)的普惠金融發(fā)展及其可持續(xù)性,勾勒中國(guó)普惠金融在城鄉(xiāng)二元結(jié)構(gòu)背景下及中國(guó)城市化進(jìn)程中可持續(xù)性的特點(diǎn)和作用。本文認(rèn)為,普惠金融可持續(xù)性在中國(guó)具有其自身特點(diǎn),它和中國(guó)的城市化發(fā)展進(jìn)程相關(guān),并受限于中國(guó)的城鄉(xiāng)二元結(jié)構(gòu),體現(xiàn)了發(fā)展階段不完善、東西發(fā)展不平衡、金融市場(chǎng)存在一定程度分割性的特點(diǎn)。本文的研究發(fā)現(xiàn),現(xiàn)階段中國(guó)政府對(duì)普惠金融的影響力和控制力具有其獨(dú)特性,這就使得中國(guó)普惠金融發(fā)展速度較快,但同時(shí)面臨監(jiān)管不力的問題。結(jié)合這些時(shí)代特征,本文對(duì)中國(guó)普惠金融機(jī)構(gòu)進(jìn)行了 FSS分析,發(fā)現(xiàn):中國(guó)的互聯(lián)網(wǎng)金融平臺(tái)的財(cái)務(wù)可持續(xù)性目前尚處于比較健康的狀態(tài)。普惠金融在東南亞各國(guó)的發(fā)展水平情況各異,其中菲律賓的非政府組織“農(nóng)業(yè)與鄉(xiāng)村發(fā)展中心”（CARD）使貧困階層?jì)D女實(shí)現(xiàn)了經(jīng)濟(jì)自立... 

【文章來源】：廈門大學(xué)福建省 211工程院校 985工程院校 教育部直屬院校

【文章頁(yè)數(shù)】：180 頁(yè)

【學(xué)位級(jí)別】：博士

【文章目錄】：
摘要
ABSTRACT
LIST OF ABBREVIATIONS
Chapter 1: Introduction
    1.1 Topic Selection Background
        1.1.1 Fast Development of Inclusive Finance in the World and China
            1.1.1.1 Development of Inclusive Finance in the World
            1.1.1.2 Development of Inclusive Finance in China
            1.1.1.3 Development of Inclusive Finance in Indonesia and the Philippines
            1.1.1.4 Prominent Issue of the Sustainability of Inclusive Finance
    1.2 Research Significance
    1.3 Definition of Related Concepts
    1.4 Aims of this study
    1.5 Methodology
    1.6 Innovation and Deficiencies
    1.7 Literature Review
        1.7.1 Review of International Research
        1.7.2 Review of Domestic Research
Chapter 2: Theories and Indicator System of the Study on the Sustainability of Inclusive Finance
    2.1 Theories Regarding the Sustainability of Inclusive Finance
        2.1.1 Dual Goal Theory of Inclusive Finance’s Sustainability
        2.1.2 Governance Theory of Inclusive Financial:Social Performance Evaluation and Management
        2.1.3 Dynamic Sustainability Theory of Inclusive Finance
            2.1.3.1 Essence of the Sustainability of Inclusive Finance:Dynamic Balance after Financial Deepening
            2.1.3.2 Dynamic Sustainability of Inclusive Financial Institutions:RiskIdentification and Avoidance
            2.1.3.3 Dynamic Sustainability of Inclusive Finance on the Demand Side:Financial Inclusion and Poverty Alleviation
            2.1.3.4 Dynamic Sustainability of Inclusive Financial Systems:Dynamic Quantitative Management
    2.2 Inclusive Finance System Framework
        2.2.1 Providers of Inclusive Finmice
        2.2.2 Demanders of Inclusive Finance
        2.2.3 Operational Efficiency of Inclusive Financial System
        2.2.4 Financial Infrastructure and Service Quality
        2.2.5 Policies and Systems
    2.3 Indicator System of Inclusive Finance
        2.3.1 Efficiency Indicator:Interest Rates and Interest Rate Control
        2.3.2 Financial Facilities and Service Quality: Indicator of Fair Access
            2.3.2.1 Transparency: An Important Indicator of Fairness
            2.3.2.2 Management and Utilization of Information
            2.3.2.3 Technical Support Services
            2.3.2.4 Business Associations and Networks
            2.3.2.5 Financial Infrastructure
        2.3.3 Policies and Systems: Indicators of Competitiveness
    2.4 Summary of the Framework of Inclusive Finance’s Sustainability
Chapter 3: A General Introduction to the Inclusive Finance in China
    3.1 Developmental Situation of Inclusive Finance in China
    3.2 Financial Sustainability of Providers of Inclusive Financial Services in China
    3.3 Financial Sustainability of Demanders of Inclusive Financial Services in China
    3.4 External Driving Forces of Inclusive Financial Development in China
        3.4.1 The United Nations
        3.4.2 Financial Reform after the American Financial Crisis -663.4.3 Financial Fairness
        3.4.3 Financial Fairness
        3.4.4 Financial Globalization
        3.4.5 Disparity Between the Rich and the Poor
    3.5 Internal Driving Forces of Inclusive Financial Development in China
        3.5.1 Impact of Technology
        3.5.2 Government Promotion
    3.6 Summary
Chapter 4: Sustainability of Inclusive Finance in China
    4.1 Special Background of the Sustainability of Inclusive Finance in China:Urban-rural Dual structure
        4.1.1 Urban-rural Dual Structure in China
        4.1.2 Financial Embodiment of Urban-rural Dual Structure
        4.1.3 Main Demanders of Inclusive in China: Demand-oriented Financial Supply
        4.1.4 Sustainability of Urban Inclusive Finance
            4.1.4.1 Characteristics of the Supply of Urban Inclusive Finance
            4.1.4.2 Characteristics of the Demand for Urban Inclusive Finance
        4.1.5 Sustainability of Rural Inclusive Finance
            4.1.5.1 Characteristics of Riiral Inclusive Finance
            4.1.5.2 Credit Cooperatives and Village Banks in Rxiral Economy
            4.1.5.3 Semi-formal Inclusive Financial Institutions in Rural Economy
        4.1.6 Rural Areas: Priority Areas in Dealing with the Issue of the Sustainability of Inclusive Finance in China
        4.1.7 Inclusive Finance in Urban and Rural Areas
    4.2 Sustainability of Inclusive Finance in China’s Process ofUrbanization
        4.2.1 Urban-rural Dual Structure is Anti-urbanization
        4.2.2 Urbanization: Fundamental Way out for Rural Inclusive Finance
    4.3 Advantages in China's Inclusive Finance:Late-mover Advantageswith the Development of Information Technology
    4.4 Existing Problems in China’s Inclusive Financial System
        4.4.1 Outstanding Problems of Urban Inclusive Finance
        4.4.2 Insufficient Rural Funds
        4.4.3 Government Laws，Policies and Regulations:China’s Practical Problems
    4.5 Summary
Chapter 5: Model Construction and Empirical Analysis
    5.1 Definition of the Sustainability of Inclusive Financial Institutions
    5.2 Model Construction
    5.3 Empirical Analysis
    5.4 Summary
Chapter 6: Comparative Study on the Inclusive Finance in Indonesiaand the Philippines
    6.1 Development of Inclusive Finance in Indonesia
        6.1.1 General Situation of Inclusive Finance in Indonesia
        6.1.2 Model of Bank Rakyat Indonesia (BRI)
        6.1.3 Policies and Regulations in Indonesia
    6.2 Development of Inclusive Finance in the Philippines
        6.2.1 Economic Background of the Philippines
        6.2.2 General Situation of Inclusive Finance in the Philippines
        6.2.3 Model of Inclusive Finance in the Philippines
    6.3 Path Selection:Drawing Lessons from Indonesia and the Philippines
Chapter 7: Conclusion and Suggestions
    7.1 Sustainability of Inclusive Finance in China’s Specific National Conditions
    7.2 Suggestions
        7.2.1 Establishing Multi-agent Provider Competition Mechanism
        7.2.2 Strengthening the Construction of Financial Infrastructure and Optimizing Social Assistance System
        7.2.3 Promoting Diversity and Full Coverage of Financial Services
        7.2.4 Promoting Urbanization and Transforming the Urban-rural Dual Structure
    7.3 Outlook
BIBLIOGRAPHY
    APPENDIX 1: FSS 25 Sample Selection Detailed Information
    APPENDIX 2:Achievements in Scientific Research during PhD's Study
ACKNOWLEDGEMENT


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