摘要
近年来我国普惠金融稳步发展。全国在金融服务覆盖率、可得性和满意度等维度均取得了显著的进步,但县域普惠融资问题改善并不显著,干扰了普惠金融的可持续发展。主要原因是县域金融供给侧没有形成有效的微贷技术、要素市场建设滞后以及融资的供需不匹配。利用好政策红利,全力构建透明、开放、竞争的县域要素市场,培育具有竞争力和微贷技术的现代化区域小微型金融机构,融合金融科技进行真正的产品创新,是解决我国县域普惠金融可持续发展的合理对策。
In recent years,China’s inclusive finance has developed steadily.The country has made significant progress in the dimensions of financial service coverage,availability,and satisfaction,but the improvement of county inclusive financing problems is not significant,which interferes with the sustainable development of inclusive finance.The main reasons are the lack of effective micro loan Technology on the financial supply side of the county,the lagging construction of factor markets,and the mismatch between financing supply and demand.Making good use of policy dividends,building a transparent,open,and competitive county factor market,cultivating modern and small regional micro-financial institutions with competitive and micro-loan technology,and integrating financial technology to carry out real product innovation is to solve the county-wide inclusive finance Reasonable countermeasures for sustainable development.
出处
《浙江金融》
2020年第8期17-26,共10页
Zhejiang Finance
关键词
金融排斥
金融抑制
普惠金融
县域
可持续发展
Financial Exclusion
Financial Repression
Inclusive Finance
County
Sustainable Development
