[1]张明哲.新时期普惠金融发展与创新分析[J].金融教育研究,2014,(01):3-5.
　ZHANG Mingzhe.A Study on the Development and Innovation of Inclusive Financial System[J].,2014,(01):3-5.
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新时期普惠金融发展与创新分析()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2014年01期
页码:
3-5
栏目:
出版日期:
2014-02-28

文章信息/Info

Title:
A Study on the Development and Innovation of Inclusive Financial System
作者:
张明哲;
中国邮政储蓄银行,北京,100808
Author(s):
ZHANG Mingzhe
关键词:
互联网金融; 普惠金融
Keywords:
internet based finance mode;  inclusive finance
分类号:
F830
文献标志码:
A
摘要:
党的十八届三中全会首次将"发展普惠金融"列为党的纲领性文件。现阶段我国普惠金融发展的难点在于信息不对称和交易成本过高。互联网金融通过降低信息不对称程度、降低交易成本、扩大覆盖范围、拓展金融服务边界等四个渠道,促进普惠金融的创新和发展。未来进一步做好互联网金融时代的普惠金融,应该探索商业可持续的互联网金融模式、利用互联网技术持续推进信贷技术创新以及做好系统性风险的防控。
Abstract:
At the third plenary session of the eighteenth central committee,developing inclusive financial system becomes the policy document of CPC for the first time.The difficulty of the inclusive finance development includes asymmetric information and high transaction cost.Internet based finance mode promotes the inclusive financial through the four ways:innovation of credit technology to reduce the information asymmetry,reduce the transaction cost,increase the coverage and expand the boundary of financial services.To improve inclusive financial in the Internet based finance era,we should explore business sustainable model,advance credit technology innovation and prevent systemic risk.

参考文献/References:

[1]吴晓灵.发展小额信贷促进普惠金融[J].中国流通经济,2013(5)4-11.
[2]金 彧.邮储银行:破题中国式普惠金融[N].新京报,2013-11-29(B05).

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更新日期/Last Update: 1900-01-01