摘 要：
普惠金融作为实现包容性增长的重要工具，近年来在全球范围内受到广泛关注。本研究以普惠金融的发展现状与问题为切入点，旨在系统分析其在理论与实践层面的进展，并探讨制约其发展的关键因素。研究基于多源数据，采用定量与定性相结合的方法，通过构建普惠金融发展评价指标体系，对不同地区、群体的普惠金融覆盖度、可得性和服务质量进行深入评估。研究发现，尽管普惠金融在提升金融服务可及性方面取得显著成效，但仍面临区域发展不平衡、数字鸿沟扩大以及风险管理能力不足等挑战。特别是在农村和低收入群体中，普惠金融的服务深度与广度仍有较大提升空间。本研究创新性地提出了基于多层次需求的普惠金融优化框架，强调技术赋能与政策协同的重要性，并从制度设计、技术创新和社会参与三个维度提出具体建议。研究成果不仅为完善普惠金融体系提供了理论支持，也为相关政策制定者和实践者提供了决策参考，有助于推动普惠金融向更高质量、更可持续的方向发展。
关键词：普惠金融；区域发展不平衡；数字鸿沟；风险管理；多层次需求优化框架
Research on the Development Status and Issues of Inclusive Finance
Abstract: Inclusive finance, as a critical tool for achieving inclusive growth, has garnered significant attention globally in recent years. This study focuses on the current development status and challenges of inclusive finance, aiming to systematically analyze its advancements in both theoretical and practical dimensions while exploring the key factors that constrain its development. Based on multi-source data, the research employs a combination of quantitative and qualitative methods, constructing an evaluation index system for the development of inclusive finance to conduct an in-depth assessment of its coverage, accessibility, and service quality across different regions and population groups. The findings indicate that although inclusive finance has achieved remarkable success in enhancing the accessibility of financial services, it still encounters challenges such as regional developmental imbalances, widening digital divides, and insufficient risk management capabilities. Particularly among rural populations and low-income groups, there remains considerable room for improving the depth and breadth of inclusive finance services. Innovatively, this study proposes an optimization fr amework for inclusive finance based on multi-level needs, emphasizing the importance of technology-enabled empowerment and policy synergy, while offering specific recommendations from three dimensions: institutional design, technological innovation, and social participation. The research not only provides theoretical support for refining the inclusive finance system but also offers decision-making references for policymakers and practitioners, contributing to the promotion of inclusive finance toward higher-quality and more sustainable development.
Keywords: Inclusive Finance; Regional Development Imbalance; Digital Divide; Risk Management; Multi-Level Demand Optimization fr amework
目 录
1绪论 1
1.1普惠金融研究的背景与意义 1
1.2国内外普惠金融研究现状 1
1.3本文研究方法与创新点 2
2普惠金融的发展现状分析 2
2.1全球普惠金融发展概况 2
2.2我国普惠金融发展现状 3
2.3普惠金融的主要实践模式 3
2.4发展中的关键影响因素 4
3普惠金融面临的主要问题 4
3.1覆盖范围与服务深度不足 4
3.2金融机构可持续性挑战 5
3.3法律与监管体系不完善 5
3.4技术应用与数字化鸿沟 6
4普惠金融发展的对策与建议 6
4.1构建多层次金融服务体系 6
4.2提升金融机构创新能力 7
4.3完善相关法律法规建设 7
4.4推动金融科技在普惠金融中的应用 8
结论 8
参考文献 10
致 谢 11
