| 公茂刚,张梅娇.普惠金融发展理论研究：基于文献视角[J].井冈山大学社科版,2021,(5):63-75 |
| 普惠金融发展理论研究：基于文献视角 |
| Research on the Development of Inclusive Finance Theory: A Literature Review |
| 投稿时间：2020-08-20 |
| DOI：10.3969/j.issn.1674-8107.2021.05.009 |
| 中文关键词: 普惠金融 金融排斥 测度指标 风险特征 |
| 英文关键词: Inclusive finance Financial exclusion Measure indicators Risk characteristics |
| 基金项目:国家社科基金项目“‘三权分置’下农地与金融融合发展机制与路径研究”（项目编号：20BJY118），山东省社科规划项目“‘三权分置’改革深化背景下山东省农村土地与金融融合发展机制与路径研究”（项目编号：20CJJJ03）；山东省高等学校青创科技计划项目“‘三权分置’改革与现代农业可持续发展研究”（项目编号：2019RWE023）；山东省社科规划项目”山东省农村劳动力国际流动问题研究”（项目编号：17CJJJ24）。 |
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| 中文摘要: |
| 普惠金融概念由联合国正式提出，由学者翻译引入中国后，普惠金融便成为国内外研究人员、政策制定者和金融部门利益相关者关注的重点。通过从普惠金融概念、测度指标、风险特征、影响因素及其发展效应等五大方面梳理国内外关于普惠金融研究的文献发现，虽研究成果丰硕，但仍存在许多研究空白点，且缺乏规范性和系统性研究。因此，应进一步深入研究普惠金融，科学构建多层次普惠金融发展体系。在实践层面，遵循政府引导、市场主导的策略方针，政府要引导金融服务向普惠方向延伸，完善相关法律、制度及政策框架，加强扶持和监管；普惠金融机构应针对客体创新产品与服务，开通多元化融资渠道；加强贫困地区金融知识的传播，提升低收入群体的金融理财意识和风险防范意识。 |
| 英文摘要: |
| The concept of inclusive finance was formally put forward by the United Nations. After it was translated and introduced into China by scholars, inclusive finance has become the focus of attention of researchers, policymakers and stakeholders in the financial sector at home and abroad. By combing the literature on inclusive finance at home and abroad from five aspects:the concept of inclusive finance, measurement indicators, risk characteristics, influencing factors and development effects, it is found that, although the research results are fruitful, there are still many research gaps and lack of normative and systematic research. Therefore, we should further study inclusive finance and scientifically build a multilevel inclusive financial development system. At the practical level, following the strategic policy of government guidance and market leading, the government should guide the extension of financial services to the inclusive direction, improve the relevant legal, institutional and policy frameworks, and strengthen support and supervision; Inclusive financial institutions should innovate products and services for the object and open diversified financing channels; Strengthen the spread of financial knowledge in poor areas and improve the financial management awareness and risk prevention awareness of low-income groups. |
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