普惠金融的效用与实现:综述及启示  

The Effectiveness and Realization of Inclusive Finance:Review and Enlightenment

作　　者：星焱[1] 

机构地区：[1]中国社会科学院金融研究所

出　　处：《国际金融研究》2015年第11期24-36,共13页Studies of International Finance

基　　金：国家社科基金青年项目"中国农村普惠金融的绩效评估与内生发展路径研究"(15CJL031);国家社科基金重点项目"我国金融体系的系统性风险与金融监管改革研究"(13AJY018)的资助;中国博士后科学基金面上项目一等资助"农村普惠金融的发展绩效与路径研究"(2015M570197)的阶段性成果

摘　　要：自2005年联合国发起倡导后,普惠金融已经成为各国学界和政界高度关注的新兴重要领域。本文从金融创新、经济效应、发展困境和实现过程中的政府作用等方面,对普惠金融现有研究成果进行了系统的梳理和综述,以展示最新的研究动态,在此基础上提出了普惠金融中有待深入研究的四大领域——理论框架构建、正规金融有效参与、不同制度条件下的政府作用、小微金融机构商业可持续与减贫目标的兼容性,并进一步提出了对中国发展普惠金融的重要启示。After the United Nations proposed Inclusive Finance in 2005, it has become an emerging important area which attracts great attention from governments and scholars. This paper reviews the existing literatures on inclusive finance from four areas, including financial innovation, economic effects, development dilemma and government ＇s role, and tries to show the latest research trends by summarizing the literatures systematically. Based on the above literatures review, this paper finds that four areas need to be studied in depth： namely building a theoretical framework, promoting the effective participation of the formal financial institutions, researching on the role of the government under different institutional conditions and solving the compatibility of MFIs＇ development goals. What＇s more, the suggestions that promote the development of inclusive finance in China are also proposed.

关 键 词：普惠金融 经济效应 发展困境 政府作用 

分 类 号：F831[经济管理—金融学]