我国金融扶贫的理论与对策——基于普惠金融视角  

Theory of Financial Poverty Alleviation in China—Based on Inclusive Finance

作　　者：周孟亮[1] 彭雅婷[1] 

机构地区：[1]湖南农业大学,湖南长沙410128

出　　处：《改革与战略》2015年第12期40-44,共5页Reformation & Strategy

基　　金：国家社会科学基金项目"农村小型金融组织‘适应性’成长模式研究"(项目编号:12CJY063);湖南省教育厅重点项目"普惠金融视角下连片特困地区金融扶贫研究--以武陵山区为例"(项目编号:15A092)阶段性成果

摘　　要：普惠金融提倡各种金融机构共同参与,为所有人群提供合理而全面的金融服务;金融扶贫利用市场化手段推进扶贫,着重提高被扶贫对象的主观能动性,是我国未来连片特困地区扶贫的重要方式。两者之间在理论和现实层面具有内在的统一性,我国金融扶贫实践与普惠金融目标还存在较大差距。文章研究普惠金融与金融扶贫的内在联系,通过借鉴国外普惠视角下金融扶贫的发展经验,根据我国金融扶贫中存在的问题,对我国金融扶贫工作的开展提出发挥市场导向作用、注重政府在金融扶贫中的导向作用、加强信贷产品创新、加强农村金融法制、加强信用体系建设等建议。In inclusive finance, it is advocated that all kinds of financial institutions to participate and provides reasonable and comprehensive financial services to all people. The financial poverty alleviation use market-oriented means, focus on the improvement of the objects＇ initiative. Finance and poverty alleviation has internal unity, but there is gap between the practice of financial poverty alleviation and the goal of inclusive finance. This paper studies the internal relations between inclusive finance and financial poverty alleviation, by learning the foreign experience and based on the reality of China, puts forward suggestions： market-oriented, government guidance, innovation in financial products, complete the law of finance in rural areas and enforce the construction of credit system.

关 键 词：普惠金融 金融扶贫 借鉴 

分 类 号：F832.2[经济管理—金融学]