发展普惠金融有助于提升地区金融服务的获得度、使用度以及满意度,从而达到减缓贫困、促进经济的作用。河南省兰考县作为国内首个普惠金融改革试验区,其基于县域数字化平台,创新发展出梯级服务体系、普惠授信体系、信贷相长体系、分段风控体系,这对全国其他贫困县域具有较好的示范价值。本文对此进行了阐述并从政府政策层面、金融供给层面、受惠主体层面、数字创新等方面提出建议,并借鉴省外县域金融创新举措,以进一步优化兰考县普惠金融发展路径,期待兰考县能为我国普惠金融高质量发展提供可参考、可复制的样本。
Inclusive Finance helps to improve the access, utilization and satisfaction of regional financial services, so as to alleviate poverty and promote economy. Lankao County of Henan Province, as the first experimental zone of inclusive financial reform in China, has innovatively developed echelon service system, inclusive credit system, credit growth system and segmented risk control system based on county digital platform, which has good demonstration value for other poor counties in China. At the same time, suggestions are put forward from the aspects of government policy, financial supply, beneficiary body, digital innovation and learning from financial innovation experience of counties outside the province, so as to further optimize the development path of Lankao model, and hope that Lankao can provide reference and replicable samples for the high-quality development of inclusive finance in China.
[1] Asongu Simplice A,Nwachukwu Jacinta C.Recent Finance Advances in Information Technology for Inclusive Development: A Systematic Review[J].Netnomics,2018(1-2):65-93.
[2] Doumbia Djeneba.The Quest for Pro-poor and Inclusive Growth: The Role of Governance[J].Applied Economics,2019(16):1762-1783.
[3] 谭燕芝,彭千芮.普惠金融发展与贫困减缓:直接影响与空间溢出效应[J].当代财经,2018(3):56-67.
[4] 王江,齐硕.普惠金融发展与贫困减缓——基于空间溢出和门槛特征的视角[J].武汉金融,2019(8):24-32+38.
[5] 宗民. “一带一路”沿线国家的普惠金融发展:模式与经验[J].西南金融,2019(10):3-12.
[6] 周海. 黑龙江省普惠金融发展的思考[J].征信,2018(3):15-19.
[7] 郑美华. 农村数字普惠金融:发展模式与典型案例[J].农村经济,2019(3):96-104.
[8] 姜东晖,王波.普惠与精准:农业供应链金融的创新发展[J].农村经济,2020(5):99-104.
[9] Okonji Patrick Emeka,Ogwezzy Darlington Chukwunalu.Financial Inclusion:Perceptions of Visually Impaired Older Nigerians[J].Journal of Enabling Technologies,2018(1):10-21.
[10] Maramygin Maksim S,Chernova Galina V,Reshetnikova Lyudmila G.Digital Transformation of the Financial Services Market in Russia:Trends and Specificity[J].Upravlenets,2019(3):70-82.
[11] 张子豪,谭燕芝.数字普惠金融与中国城乡收入差距——基于空间计量模型的实证分析[J].金融理论与实践,2018(6):1-7.
[12] 潘锡泉. 数字普惠金融帮扶低收入群体的逻辑机理及实现机制[J].区域经济评论,2019(4):143-149.
[13] 徐诺金,崔晓芙.普惠金融落地路径探析:基于兰考县的实证[J].征信,2018(3):7-14.
[14] 郭峰,等.测度中国数字普惠金融发展:指数编制与空间特征[R].北京大学数字金融研究中心,2019.
[15] 贝多广,莫秀根.超越普惠金融[M].北京:中国金融出版社,2018.
[16] 蔡则祥,杨雯.普惠金融与金融扶贫关系的理论研究[J].经济问题,2019(10):26-31+86.
[17] 李建军,韩珣.普惠金融、收入分配和贫困减缓——推进效率和公平的政策框架选择[J].金融研究,2019(3):129-148.
[18] 王宇.金融扶贫:国际经验与中国实践[J].金融理论与实践,2018(2):1-4.
[19] 易行健,周利.数字普惠金融发展是否显著影响了居民消费——来自中国家庭的微观证据[J].金融研究,2018(11):47-67.
[20] 朱一鸣,王伟.普惠金融如何实现精准扶贫[J].财经研究,2017(10):43-54.
[21] 朱太辉,龚谨,张夏明.助贷业务的运作模式、潜在风险和监管演变研究[J].金融监管研究,2019(11):50-67.
