建设高质量普惠金融体系:目标任务、发展实践和挑战应对  

Building a High-Quality Inclusive Financial System:Goals,Practices,and Challenges

作　　者：吴卫星[1] WU Weixing(Capital University of Economics and Business,100070)

机构地区：[1]首都经济贸易大学金融学院与北京数字经济发展研究院,100070

出　　处：《财贸经济》2025年第1期38-45,共8页Finance & Trade Economics

基　　金：国家自然科学基金项目“‘双循环’背景下的家庭负债行为演变研究”(72373024)。

摘　　要：高质量普惠金融体系强调金融服务的包容性,要求在机会平等、商业可持续与成本可负担的基础上,金融系统为各类市场主体提供高效便捷的金融服务。高质量普惠金融体系建设对社会经济发展有多方面重要意义,建设目标具体而且多元,需要不断进行金融服务和产品创新。我国高质量普惠金融体系建设的政策框架已经明晰,在普惠金融发展实践方面取得显著成效,但未来我国高质量普惠金融体系建设还存在很多挑战,需要进一步实现政策协同、拓宽服务领域、打通数据流通堵点、优化风险共担机制、利用金融科技推动普惠金融发展、统筹好创新发展中的收益和风险问题。A high-quality inclusive financial system emphasizes the accessibility of financial services,requiring the financial sector to deliver efficient and convenient services to all market participants based on equal opportunities,commercial sustainability,and affordability.Such a system holds significant importance for socio-economic development,with specific and diverse goals that demand continuous innovation in financial products and services.China has established a clear policy framework for building a high-quality inclusive financial system and has achieved notable progress in the practice of inclusive finance.However,challenges remain in advancing the system's development.Future efforts should focus on enhancing policy coordination,expanding service coverage,addressing data flow bottlenecks,optimizing risk-sharing mechanisms,leveraging financial technology to drive the development of inclusive finance,and balancing the benefits and risks associated with innovation-driven development.

关 键 词：普惠金融 金融科技 商业可持续 

分 类 号：F832[经济管理—金融学]