国家贫困县普惠金融体系构建问题研究  

Study on the Construction of National Poverty Counties Inclusive Financial System

作　　者：王浩[1] 何文虎[1] 

机构地区：[1]中国人民银行固原市中心支行,宁夏固原756000

出　　处：《吉林金融研究》2015年第4期15-19,共5页Journal of Jilin Financial Research

摘　　要：十八届三中全会通过的《中共中央关于全面深化改革若干重大问题的决定》正式提出发展普惠金融,中国人民银行等七部门在《关于全面做好扶贫开发金融服务工作的指导意见》的意见中提出到2020年使贫困地区金融服务水平接近全国平均水平,初步建成全方位覆盖贫困地区各阶层和弱势群体的普惠金融体系。从公共经济学角度看,普惠金融是一种具有利益外溢特征,即正外部性的产品,金融资源稀缺性要求政府政策支持以促进普惠金融体系的构建。本文从准公共物品视角出发,立足于固原市辖内国家贫困县实际,探讨普惠金融体系构建的现状、影响因素及政策建议。The Third Plenary Session of the eighteen Central Committee of the CCP about through the ＂comprehensive reform of certain major issue decision＂ formally proposed the development of Inclusive Finance, people＇s Bank of Chinese in ＂do a good job in guiding opinions＂ poverty alleviation and development of financial services comprehensive views put forward to 2020 the financial service level in poor areas close to the national average of seven departments, initially built all-around enclothe poverty area groups and vulnerable groups of inclusive financial system. From the perspective of public economics, inclusive finance is one kind has the feature of excessive profits, namely positive externalities products, scarcity of financial resources in support of government policy to promote the requirements of building inclusive financial system. This article from the perspective of quasi public goods, based on the jurisdiction of national poverty county of Guyuan city actual, explore the status quo, influencing factors and policy suggestions of building inclusive financial system.

关 键 词：准公共物品 国家贫困县 普惠金融 

分 类 号：F832[经济管理—金融学]