作　　者： ; (张乐柱）;

机构地区： 五邑大学通识教育学院

出　　处： 《西南金融》 2020年第9期49-59,共11页

摘　　要： 本文通过对国外普惠金融案例具体分析,找出国外普惠金融在发展过程中的优势、具体做法,总结提炼其普惠金融模式成功的理论经验,研究发现:明确客户群体、政府部门的参与、信息技术的利用、商业金融机构的可持续性、交易成本的降低以及出台配套的法律文件等对普惠金融模式的运作有着重要关系。基于对国外普惠金融成功的理论启示,结合我国不同需求对象的具体特点,从供给侧角度设计了“ATM机+村委会+银行”“贫困户+政府+银行”“抵质押物+政府+银行+保险”和“小微企业+政府+银行+保险”四种普惠模式,并通过案例实践进行验证,以期为普惠金融的发展提供新思路。 Through the specific analysis of foreign inclusive finance cases,this article finds out the advantages and specific methods of foreign inclusive finance in the development process,and summarizes and refines the theo⁃retical experience of its successful inclusive finance model.The research finds that clarification of customer groups,the participation of government departments,the use of information technology,the sustainability of commercial fi⁃nancial institutions,the reduction of transaction costs,and the promulgation of supporting legal documents are im⁃portant to the operation of the inclusive finance model.Based on the theoretical enlightenment of the success of for⁃eign inclusive finance,combined with the specific characteristics of different demand objects in our country,this ar⁃ticle designs four inclusive models including"ATM machine+village committee+bank","poor households+gov⁃ernment+bank","collateral+government+bank+insurance"and"small and micro enterprises+government+bank+insurance"from the perspective of the supply side,and verifies them through case practice,so as to provide new ideas for the development of inclusive finance.

关 键 词： 普惠金融 金融排斥 小微企业融资 农业产业 农村金融供给 扶贫模式 乡村振兴 金融基础设施建设

领　　域： [经济管理—金融学]