中国普惠金融发展的制度性困境与对策建议  

Institutional Dilemma of China’s Inclusive Financial Development and Countermeasures

作　　者：张珩 Zhang Heng(Institute of Finance,Chinese Academy of Social Sciences,Beijing 100710,China)

机构地区：[1]中国社会科学院金融研究所,北京100710

出　　处：《东方论坛（青岛大学学报）》2023年第2期106-119,共14页Eastern Forum（JOURNAL OF QINGDAO UNIVERSITY）

基　　金：国家自然科学基金青年项目“法人治理、产权改革对农村信用社双重绩效的影响:机理研究与实证检验”(71903151);中国社会科学院青年科研启动项目“乡村振兴视角下产权改革对农信社使命漂移的影响:机理研究与实证检验”(2023YQNQD034)的阶段性成果。

摘　　要：共同富裕是社会主义的本质要求,是中国式现代化的重要特征。坚持以人民为中心的发展思想是在“百年未有之大变局”下中国扎实推动共同富裕的重要战略目标。金融推动共同富裕的出发点和着力点在于通过发展普惠金融实现公平和效率的辩证统一。中国当前普惠金融发展水平不高,重点服务群体的金融素养较低,金融供需存在结构性失衡,政府对普惠金融的支持存在“缺位”。未来构建高效服务共同富裕的普惠金融发展机制,需进一步强化国民金融教育,构建具有高度适应性和竞争力的普惠金融市场体系,建立“有为政府”+“有效市场”的政策保障体系。Practicing the people-oriented concept of inclusive financial development is not only the essential requirement of socialism with Chinese characteristics,but also the main strategic direction of solidly promoting common prosperity from the financial level.In order to fully grasp the dynamic changes of inclusive finance development,the researchers measure the development level of inclusive finance at the provincial level in China based on the constructed evaluation index system.Studies find that the overall level of inclusive finance development in China is not high,and the development of inclusive finance in different regions is extremely imbalanced.Based on the current development situation,this paper aims to comprehensively analyze and summarize the main institutional difficulties faced by the current inclusive financial development,and combining the practice of China’s financial reform,put forward the inclusive financial development mechanism and policy system conducive to solidly promoting the realization of common prosperity in order to contribute to the composition and formation of the financial theory of socialism with Chinese characteristics.

关 键 词：共同富裕 普惠金融 制约因素 制度性困境 对策建议 

分 类 号：F832.35[经济管理—金融学]