深化农村普惠金融供给侧改革的内涵辨析

On the Connotation Analysis of Deepening Supply Side Structural Reform of Rural Inclusive Finance

关键词:  普惠金融;农村金融;扶贫金融;供给侧结构性改革

Key words:  Inclusive Finance；Rural Finance；Poverty Alleviation Finance；Supply-side Structural Reform

摘要:

普惠金融实质上更多表现为农村普惠金融，这决定了农村金融改革的主要任务是 推动农村普惠金融供给侧结构性改革，即按照商业化可持续发展原则，激励金融机构创新符 合弱势群体金融需求、成本适度的金融产品。普惠金融和扶贫金融的服务对象虽然都是弱势群 体，但扶贫金融更加关注较为贫困的弱势群体，决定了前者具有商业性金融属性，后者具有政 策性金融属性。但鉴于普惠金融和扶贫金融的金融属性，不能寄望于通过发挥两者作用推动所 有弱势群体尤其是极度贫困人口实现脱贫攻坚目标和发展壮大。

Abstract:

Inclusive finance mostly shows its way in rural areas, which determines that the main task of deepening the rural financial reform is to promote the supply side structural reform of rural inclusive finance. In accordance with the principle of the commercial sustainable development,financial institutions should be encouraged to innovate the financial products with moderate costs which can meet the needs of vulnerable groups.The service objectives of finance inclusion and poverty alleviation finance are both vulnerable groups, but poverty alleviation finance pays more attention to the relatively weak disadvantaged groups.The former has the attributes of commercial finance, but the latter has more policy-based finance characteristics.In view of their financial attributes,we can't except that we achieve the goal of poverty alleviation and development by exerting their effectiveness.