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<script>window._bd_share_config={"common":{"bdSnsKey":{},"bdText":"","bdMini":"2","bdMiniList":false,"bdPic":"","bdStyle":"0","bdSize":"16"},"share":{"tag":"share_1","bdSize":32,"bdCustomStyle":"http://ats.taiwan.cn/homepage2021/css/bgBdShare2021.css"}};with(document)0[(getElementsByTagName('head')[0]||body).appendChild(createElement('script')).src='http://103.249.53.35/gate/big5/bdimg.share.baidu.com/static/api/js/share.js?v=89860593.js?cdnversion='+~(-new Date()/36e5)];</script>  </div> </div> <div id="bdShareBtn"></div> </div>  </div> <div class="contentArea"> <div class=TRS_Editor><p align="justify">　　普惠金融，是一個能有效地、全方位地為人民群眾，尤其是貧困、低收入人口提供服務的金融體系。如何充分發揮其作用，是人們普遍關心的話題。</p> <p align="justify">　　我國對普惠金融高度重視，出臺了一系列支援政策。從十八屆三中全會提出發展普惠金融，“鼓勵金融創新，豐富金融市場層次和產品”，到印發《推進普惠金融發展規劃（2016—2020年）》，再到推出《大中型商業銀行設立普惠金融事業部實施方案》，一系列政策法規為普惠金融發展提供了良好外部環境、健全了相關金融基礎設施，也完善了金融監管體系框架。隨著普惠金融的發展，如何進一步降低普惠金融服務成本，合理引導低成本資金參與普惠金融服務，關乎普惠金融的可持續發展。</p> <p align="justify">　　目前，普惠金融政策主要是差別化準備金、定向降準及信貸政策等，集中于傳統銀行並取得了一定效果。但從利率看，傳統大型金融機構的普惠金融產品利率較低，如2018年四季度，銀行業新發放小微企業貸款平均利率為7%左右，而四大行小微企業貸款利率低至4.5%左右。站在內部成本與收益的角度，金融機構自主市場化發展普惠金融的動力不足。因此，發展普惠金融，需要提高商業性金融機構的主觀能動性，保證其獲得合理適度利潤的同時，實現商業發展的可持續，讓普惠金融不只是“政策性金融”，更是“發展型金融”。</p> <p align="justify">　　此外，數字普惠金融快速發展，為金融服務提供了巨大空間。然而，數字普惠金融如何進一步降低服務成本，仍是一項現實課題。去年，我在地方挂職時負責金融工作，把一個“獨角獸”金融服務企業引過去。合作初衷是希望利用數字普惠金融助力地方發展，解決“三農”和小微企業融資難融資貴的問題。後來調研評估發現，效果不理想，原因是它可以解決支付清算變現問題、普惠金融客戶覆蓋面問題和金融服務可得性及速度問題，卻解決不了小微企業和個人的融資成本問題。同時，金融服務企業自身的融資成本也高，存在動力不足問題。</p> <p align="justify">　　金融要把為實體經濟服務作為出發點和落腳點，全面提升服務水準。習近平總書記在全國金融工作會議上指出，要建設普惠金融體系，加強對小微企業、“三農”和偏遠地區的金融服務。真正發揮好普惠金融的作用，就要切實深入推進改革，如推出鼓勵商業性金融機構從事普惠金融業務的相關政策、促進成本低廉的資金主動流入普惠金融領域、讓政策性金融機構深入到偏遠地區和落後地區，等等。只有著力解決金融服務成本問題、金融機構動力問題，才能更好地緩解普惠金融為小微企業和“三農”提供服務的融資難融資貴難題。</p> <p align="justify">　　金融是實體經濟的血脈，應更好服務經濟社會發展。因此，把更多金融資源配置到經濟社會發展的重點領域和薄弱環節，更好滿足人民群眾和實體經濟多樣化的金融需求，才能回歸金融服務的本源，這也正是發展普惠金融的本意。</p> <p align="justify">　　（作者為中國社會科學院金融研究所副所長、研究員）</p></div> <div class="editor f14">[責任編輯：李奕均]</div> </div>  <div class="page-number"> <script type="text/javascript"> createPageHTML(1, 0, "t20190510_12163735", "htm"); </script> </div>  </div>   <div class="content-plus"> <div class="wrap"> <h3 class="zone-desc-content"><span class="format">相關新聞</span></h3> <ul class="list clearfix"> <li class="list-item single-line f14"><a href="http://103.249.53.35/gate/big5/econ.taiwan.cn/econ/201905/t20190510_12163734.htm" target="_blank" title="愛奇藝龔宇談院線電影：缺網際網路收益賠錢的多">愛奇藝龔宇談院線電影：缺網際網路收益賠錢的多</a></li> <li class="list-item single-line f14"><a href="http://103.249.53.35/gate/big5/econ.taiwan.cn/econ/201905/t20190510_12163727.htm" target="_blank" title="人民日報：中國外貿勢頭好動能足">人民日報：中國外貿勢頭好動能足</a></li> <li class="list-item single-line f14"><a href="http://103.249.53.35/gate/big5/econ.taiwan.cn/econ/201905/t20190510_12163726.htm" target="_blank" title="2億農民工10年遷徙圖:“中西飛”成大勢進城者減少">2億農民工10年遷徙圖:“中西飛”成大勢進城者減少</a></li> <li class="list-item single-line f14"><a 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