On Innovation and Development of Inclusive Finance in China's Poor Counties —Take Lankao County in Henan Province As an Example

doi:10.16716/j.cnki.65-1030/f.2020.05.002

Finance & Economics of Xinjiang ›› 2020, Vol. 0 ›› Issue (5): 15-27.DOI: 10.16716/j.cnki.65-1030/f.2020.05.002

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On Innovation and Development of Inclusive Finance in China's Poor Counties —Take Lankao County in Henan Province As an Example

Li Honghan^1,2,3, Liu Lu³, Sha Ya¹

1. Yili Normal University,Xinjiang Yining 835000;
2. Renmin University of China,Beijing 100872;
3. Zhongnan University of Economics and Law,Hubei Wuhan 430073

Online:2020-10-26 Published:2020-10-25

我国贫困县普惠金融创新发展研究——以河南省兰考县为例

李虹含^1,2,3, 刘璐³, 沙娅⁴

1.新疆伊犁师范大学一带一路发展研究院,新疆伊宁 835000;
2.中国人民大学国际货币研究所,北京 100872;
3.中南财经政法大学湖北金融协创中心,湖北武汉 430073;
4.新疆伊犁师范大学法学院,新疆伊宁 835000

作者简介:李虹含(1986--),男,研究员,金融学博士,伊犁师范大学-带一路发展研究院研究员,中国人民大学国际货币研究所研究员,中南财经政法大学湖北金融协创中心研究员,研究方向为创新经济研究;刘璐(1995-),女,硕士研究生,研究方向为普惠金融;沙娅(1991--),女,讲师,硕士,研究方向为金融创新。
基金资助:
伊犁师范大学一带一路发展研究院重点课题“霍尔果斯口岸经济发展与创新模式研究"(YDYL2019ZD001)

Abstract

Abstract: 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.

Key words: Inclusive Finance, Digital Inclusive Finance, Financial Poverty Alleviation, Targeted Poverty Alleviation, Poverty Alleviation, High Quality Development of County Economy

摘要： 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。

关键词: 普惠金融, 数字普惠金融, 金融扶贫, 精准扶贫, 脱贫攻坚, 县域经济高质量发展

CLC Number:

F832.43

Li Honghan, Liu Lu, Sha Ya. On Innovation and Development of Inclusive Finance in China's Poor Counties —Take Lankao County in Henan Province As an Example[J]. Finance & Economics of Xinjiang, 2020, 0(5): 15-27.

李虹含, 刘璐, 沙娅. 我国贫困县普惠金融创新发展研究——以河南省兰考县为例[J]. 新疆财经, 2020, 0(5): 15-27.

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On Innovation and Development of Inclusive Finance in China's Poor Counties —Take Lankao County in Henan Province As an Example

我国贫困县普惠金融创新发展研究——以河南省兰考县为例

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On Innovation and Development of Inclusive Finance in China's Poor Counties —Take Lankao County in Henan Province As an Example

我国贫困县普惠金融创新发展研究——以河南省兰考县为例

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