摘要
近几年,在国家高度重视和一系列扶持政策的支撑下,我国普惠金融得到了较快发展,但是在普惠程度上与理想目标还有较大差距,为了缩小这种差距,创新普惠金融发展路径,真正实现金融为实体经济发展服务的目标具有重要意义。阐述了普惠金融的概况,总结出了普惠金融发展过程中存在着政策缺乏操作性、信息不健全、供需不匹配、资金配置不对称和成本收益不合理等主要问题,并从制度创新、产品创新、机构创新和科技创新四个方面提出了促进我国普惠金融科学发展的创新路径。
In recent years,under the support of the state’s high attention and a series of government support policies,inclusive finance has been greatly developed in China,but there is still a big gap between the degree of inclusion and the ideal goal. In order to narrow this gap,we need to create new paths for inclusive finance. It is of great significance to realize the objective of financial services for real economic development. To this end,the article first expounds the general situation of inclusive finance;Then the paper summarizes the main problems in the process of inclusive finance development,such as policy unsystematic,information unsound,supply and demand mismatch,fund asymmetry and cost and benefit unreasonable. Finally,the author puts forward the innovation path to promote the scientific development of inclusive finance in four aspects: system innovation,product innovation,institutional innovation and science and technology innovation.
作者
韩权尚
王欣嘉
齐婉霖
Han Quanshang;Wang Xinjia;Qi Wanlin(Harbin Finance University,Harbin Heilongjiang 150030)
出处
《对外经贸》
2019年第11期91-92,97,共3页
FOREIGN ECONOMIC RELATIONS & TRADE
基金
2019年黑龙江省大学生创新创业训练计划项目“金融供给侧结构性改革背景下普惠金融发展研究”(项目编号:201910245002)
哈尔滨金融学院大学生创新创业训练计划项目资助的阶段性成果之一，项目成员:韩权尚，王欣嘉，齐婉霖，指导教师:王景利
关键词
普惠金融
主要问题
路径创新
Inclusive Finance
Main Issues
Path Innovation
