普惠金融、赋权转向及制度实践--以金融发展权为视角  

Inclusive finance,empowerment and system practice: from the perspective of financial development rights

作　　者：李长健[1] 孙富博 

机构地区：[1]华中农业大学文法学院,武汉430070

出　　处：《世界农业》2018年第3期4-9,共6页World Agriculture

基　　金：国家自然科学基金资助项目“我国‘三农’重要财政、金融和组织扶持政策落实情况、执行机制及提升对策研究”(71341016);农业部软科学基金项目“完善农村金融法律制度研究”(201533);湖北省科学技术厅创新专项课题“湖北科技金融与企业孵化结合路径研究”(2017ADC018)

摘　　要：普惠金融对实现金融公平、弱势群体保护以及人类共同发展具有重要的现实意义。但通过调查发现,普惠金融在制度实践中存在较多问题,究其原因,普惠金融理念是经济性或是政策性理念,不是法学上的理念。法律控制作为社会控制中最为稳定、科学的控制手段,没有法律保障普惠金融寸步难行,而法律保障核心是赋权。通过分析国内普惠金融发展的困境,探析金融发展权的法理融入,提出普惠金融的金融发展权转向,以金融发展权为核心,构建制度实践保障。Inclusive finance has important practical implications for financial fairness,protection of vulnerable groups and the common development of mankind.However,the survey found that there are many problems in the practice of the system.The reason is that the concept of inclusive finance is an economic or policy concept,not a juristic one.The law is the most stable and scientific control measure in social control.Without legal protection,it is difficult for the inclusive financial system to make progress.The core of legal safeguards is empowerment.This paper analyzes the dilemma of the development of inclusive finance,analyzes the right of financial development,proposes that all-inclusive finance go to the right of financial development,and establishes the system practice guarantee with the core of financial development rights.

关 键 词：普惠金融 赋权转向 金融发展权 互联网金融 金融公平 

分 类 号：F832[经济管理—金融学]