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目前,推动建设普惠金融体系已经成为我国金融体系深化改革的重要课题之一,特别是党的十八届三中全会提出“发展普惠金融”意义重大。在我国发展普惠金融,其主要任务就是让那些被排斥在金融体系之外的群体能够获得金融服务,使现代金融服务更多地惠及广大客户和经济社会发展的薄弱环节。本文以小额信贷发展作分析视角,提出促进小额信贷发展的政策供给与路径选择,以促进普惠金融体系的构建。
At present, promoting the construction of an inclusive financial system has become one of the important topics for deepening the reform of China’s financial system. In particular, it is of great significance for the Third Plenary Session of the 18th CPC Central Committee to propose “developing an inclusive financial system.” The main task of developing inclusive finance in our country is to enable those excluded from the financial system to obtain financial services so that modern financial services can benefit more customers and the weak links in economic and social development. This article takes the microcredit development as an analytical perspective and puts forward the policy supply and path selection to promote the development of microcredit so as to promote the construction of an inclusive financial system.