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自2005年联合国和世界银行提出“普惠金融”的概念以来,国际上日益关注和重视普惠金融的发展。从我国的实践来看,基本形成了涵盖三农、中小微、就业、助学、扶贫等领域的立体式普惠金融体系。尽管如此,普惠金融在发展过程中仍然面临着诸多困难:小微企业融资难、融资贵问题未能根本解决,偏远地区基础金融服务仍然较为薄弱,弱势群体获得金融资源的占比仍然较低。形成这些问题的原因涉及制度、机制、管理等多个方面,但归根
Since the United Nations and the World Bank proposed the concept of “inclusive finance” in 2005, the international community has paid increasing attention to and emphasized the development of inclusive finance. From the point of view of our country’s practice, a three-dimensional inclusive financial system covering agriculture, rural areas and farmers, small and medium-sized and small businesses, employment, education and poverty alleviation has basically taken shape. Nonetheless, Welfare Finance still faces many difficulties in the development process: the financing of small and micro enterprises is hard and the problems of financing are not fundamentally solved; the basic financial services in remote areas are still relatively weak; and the disadvantaged groups still have less access to financial resources . The reasons for the formation of these problems involve many aspects, such as system, mechanism and management, but in the final analysis