普惠金融发展水平的度量与比较.pdf

本科论文 摘　要 摘要正文 普惠金融这一概念最早于 2005 年提出,是指以机会平等为出发点并结合商业可持 续发展的原则,针对于社会各个阶层，尤其是小微企业、民营企业、个体工商户、农户 等在其足以承担的范围内提供有针对性的金融产品和金融服务。但是在我国，这一概念 最早是 2006 年首次采用的，从 2006 年到现在，短短不足 15 年的发展历程，我国普惠 金融事业便取得了巨大的成就，基础金融服务覆盖面不断扩大、金融服务的效率和质量 显著提高、金融扶贫攻坚取得了显著的成果以及数字化科技化大大提升等。但是，我国 普惠金融发展不够完善，仍存在一系列问题亟待解决，以促进其更好更快的发展。 本文主要探讨了我国普惠金融目前整体的发展状况以及各地区的发展水平并对其 进行了比较，针对现存的问题提出了一些建议并探讨了普惠金融未来的发展方向。 关键词：普惠金融，发展水平，比较 本科论文 Abstract Text The concept of inclusive finance was first proposed in 2005. It refers to the equal opport unity as the starting point and the principle of sustainable business development. It is aimed a t all levels of society, especially small and micro enterprises, private enterprises, individual in dustrial and commercial households, and farmers. It provides targeted financial products and financial services within a sufficient range. However, in China, this concept was first adopte d in 2006 at the earliest. From 2006 to the present, in less than 15 years of development, Chin a ’s inclusive finance has achieved tremendous achievements, and the coverage of basic finan cial services has continued to expand. The efficiency and quality of services have been signif icantly improved, financial poverty alleviation efforts have been significantly improved, and digital technology has been greatly improved. However, China's inclusive financial develop ment is not perfect, and there are still a series of problems that need to be resolved urgently to promote better and faster development. This article mainly discusses the current overall development status of inclusive finance in China and the development level of various regions and compares them,puts forward some suggestions for the existing problems and discusses the future development direction