摘要
近年来世界各国大力发展普惠金融,中国普惠金融发展也取得较大成效。但与国外普惠金融发展相比,我国普惠金融发展还是存在较大的差距。通过从金融机构分布、征信和消费者权益保护、金融科技化程度、人们对普惠金融了解程度等方面分析中国和国外普惠金融发展差距,结合国外主要做法和先进经验,提出促进我国普惠金融发展的经验借鉴及启示:政府制定扶持政策,加强金融消费者权益保护,普惠金融机构进行理念、技术和产品创新,改善金融服务站模式。进而构建完善的普惠金融体系,大力发展普惠金融。
In recent years, countries around the world have vigorously developed inclusive finance, and China’s inclusive financial development has also achieved considerable results. However, compared with the development of inclusive finance abroad, there is still a big gap in the development of inclusive finance in China. By analyzing the gap between China and foreign countries in the development of inclusive finance in terms of the distribution of financial institutions, credit information and consumer rights protection, the degree of financial scientificalization and people’s understanding of inclusive finance, and combining with the main practices and advanced experience of foreign countries, this paper puts forward the experience and enlightenment for promoting the development of inclusive finance in China. The government should formulate supporting policies to strengthen the protection of financial consumers’ rights and interests. Inclusive Financial Institutions should innovate in terms of concept, technology and product, and improve the mode of financial service stations. A perfect inclusive financial system should be built for vigorously developing the inclusive finance.
作者
欧阳佳俊
罗荷花
OUYANG Jiajun;LUO Hehua
出处
《商业经济》
2019年第1期156-158,共3页
Business & Economy
基金
湖南省自然科学基金项目:我国农村普惠金融的减贫效应研究(2018JJ3245)
湖南省哲学社会科学成果评审委员会立项项目:湖南省农村普惠金融的减贫效应研究(XSP17YBZC090)
湖南农业大学大学生科创项目:多维贫困视角下湖南省普惠金融减贫绩效评估研究(XCX18098)
湖南农大东方科技学院:湖南省农村普惠金融减贫效应研究(16QNS23)
关键词
普惠金融
金融科技
金融消费者权益
inclusive finance
financial technology
financial consumers' right
