摘要
普惠金融根源深远、历史悠久,近半个世纪得到了长足的实践发展,在引导金融资源配置到重点领域和薄弱环节方面发挥了关键作用。相对于丰富的探索实践,普惠金融理论体系尚未系统建立,缺少从基础性、抽象性、战略性高度对普惠金融的认识和解读。本文对普惠金融的基本思想和基础理论进行了系统溯源,在理论层面勾勒出一套普惠金融的基本研究框架,为构建具有中国特色的普惠金融发展模式提供了理论支撑。文章提炼出普惠金融具有金融平权、价格合适、供给多元、渠道畅通、商业可行、合规安全六方面本质特征,覆盖十方面行动范围,从宏观、微观、哲学历史、中国特色社会主义视角剖析其理论根基,解释了普惠金融体系无法自然形成的原因,提出了包容性金融的解决之道,解析了其蕴含的大同、和谐、公平、共享的普世价值体系,提出建设普惠共享的金融体系必须遵循、贯彻习近平经济思想,规范、引导资本健康发展。
Inclusive Finance has far-reaching roots and a long history.It has achieved considerable practical development in the past half century,and has played a key role in guiding the allocation of financial resources to key areas and weak links.Compared with rich practical exploration,the theoretical system of inclusive finance has not been systematically established,and there is a lack of understanding and interpretation of inclusive finance from a basic,abstract and strategic perspective.This paper systematically traces the origin of the basic ideas and basic theories of inclusive finance,and outlines a set of basic research framework of inclusive finance at the theoretical level,which provides theoretical support for the construction of inclusive finance development pattern with Chinese characteristics.The article abstracts the six essential characteristics of inclusive finance:financial equality,appropriate price,diversified supply,smooth channels,commercial feasibility,and compliance safety,covering ten areas of action.It also analyzes its theoretical foundation from the perspectives of macro,micro,philosophical history,and socialism with Chinese characteristics,explains the reasons why the inclusive financial system cannot be formed naturally.Based on this,the solutions of inclusive finance are put forward,its universal value system of harmony,fairness and sharing is analyzed.Besides,it proposes the construction of an inclusive and shared financial system must follow and implement Xi Jinping Thought on Economy,standardize and guide the healthy development of capital.
作者
李钧
李冠青
Li Jun;Li Guanqing(The Export-Import Bank of China,Beijing 100031,China;Financial Research Institute of the People's Bank of China,Beijing 100033,China)
出处
《金融发展研究》
北大核心
2022年第8期20-26,共7页
Journal Of Financial Development Research
关键词
普惠金融
本质特征
行动范畴
理论脉络
inclusive finance
essential characteristics
action category
theoretical context
