普惠金融发展和减贫效应研究
Development of Inclusive Finance and Its Effect on Poverty Alleviation
Abstract
“普惠金融”的基本含义是:一个能有效地、全方位地为社会所有阶层和群体,尤其是贫困和低收入人口,提供服务的金融体系。与小额贷款相比,普惠金融不仅包含了贷款,还包含了储蓄、保险和支付结算等金融服务;与微型金融相比,普惠金融不仅包含小额贷款公司、农村信用合作社和村镇银行等微型金融机构,还包括大型商业银行等传统意义上正规的金融部门。普惠金融的宗旨是将微型金融融入到主流的金融体系,以更好地发挥微型金融的潜力。同时,虽然普惠金融体系特别强调要将原先被传统金融和微型金融都排斥在外的客户群体包容进来,但是对于普惠金融体系内的所有客户,提供更加方便、快捷、低成本的金融服务也是同样重要的。 2013年中国共产党... An inclusive financial system is one that effectively provides all clients, especially poor and low-income clients, with affordable financial services. Compared with microcredit, inclusive finance not only contains loan, but also contains savings, insurance, payment, settlement and other financial services. Compared with microfinance, inclusive finance not only includes small loan companies, rural...