金融包容与金融稳定:合作还是权衡?——基于文献的探讨  

Financial Inclusion and Financial Stability:Substitutes or Complements?——Based on Discussion of the Relevant Literature

作　　者：肖晶 

机构地区：[1]中国工商银行博士后科研工作站,北京100032

出　　处：《金融发展研究》2016年第9期10-16,共7页Journal Of Financial Development Research

基　　金：国家社会科学基金项目"基于金融包容视角的地区银行业市场结构与优化设计"(批准号:15BJL027)

摘　　要：本文通过归纳梳理已有文献,探讨了金融包容与金融稳定之间的内在联系,得出以下结论:金融包容和金融稳定既存在协同效应,又存在权衡效应;两者之间究竟是促进还是抵销在很大程度上依赖于外部制度的建设;应将金融包容和金融稳定纳入统一的监管框架;金融包容的推进必须兼顾安全性和稳定性。我国应从外部制度环境和微观主体两方面构建更为安全稳定的包容性金融体系。By summarizing the existing literatures, this paper discusses the internal relations between financial in- clusion and financial stability. The research conclusions are as follows. There is a coordination effect as well as a balanc- ing effect between financial inclusion and stability.. Whether these two complement or contradict with each other large- ly depends on the construction of external system. Financial inclusion and financial stability should be included into the unified supervision framework. The promotion of financial inclusion should consider both the safety and stability. China should construct a safer and more stable financial system in terms of the external system environment and microscopic subjects.

关 键 词：金融包容 金融稳定 协同效应 权衡效应 

分 类 号：F830[经济管理—金融学]