摘要
普惠金融是对传统商业金融的反思和扬弃。作为一种实践性很强的课题,如何寻找普惠金融的发展路径,实现普惠金融落地的"最后一公里"就显得特别重要。现实中,由于缺少普惠金融研究的理论框架,使得普惠金融的业务边界十分模糊,以致于出现了普惠金融使命漂移和业务异化的现象:一种现象是与财政救济和转移支付混淆在一起,异化为政策套利和社会救济(财政性扶贫),使得普惠金融既缺乏效率又缺乏商业可持续性;另一种现象是与高利贷和民间借贷牵连在一块,不仅起不到普惠的效果,反而极有可能逆向导致"金融致贫",加速弱势群体的财务性"破产",引发新的金融风险。本文在梳理普惠金融理论渊源的基础上,提出了"平台+产品"的路径选择,实现了构成要素、动力机制和要素间关系的创新。通过政府增信、市场化运作、银行放贷及营销和技术手段的创新,可以降低享受金融服务的门槛,打通普惠金融落地的"最后一公里",以期作为普惠金融的实践指引。
Inclusive finance is absorption and abandon to traditional commercial finance.As practical subject,how to find out development way of inclusive finance to realize the last step of inclusive finance is very important.Business limitation of inclusive finance is obscure because of lack of intensive finance research frame structure which leads to the variation of intensive finance.One variation is combination with financial relief and transfer payment which leads to lack of efficiency and commercial sustainability.The other one is combination with usurious loan and private lending which leads to non-inclusive finance even financial poverty.This paper raises up platform plus product mode based on intensive finance theories.This is innovation to relationship between components,dynamic mechanism and factors.Through government credit,marketization operation,bank loan and innovation of marketing and techniques,requirements of financial service are reduced and the last step of intensive finance is realized.We hope this can be the practical guide of intensive finance.
出处
《济南大学学报（社会科学版）》
CSSCI
2019年第1期116-124,160,共10页
Journal of University of Jinan:Social Science Edition
