摘  要：普惠金融第一次被提出是在2005年，普惠金融是能够全方位地、有效地为社会上所有阶层、群体提供金融服务的体系，因此，联合国把它译为包容性金融。普惠金融一开始进入大家视线是以小额信贷和小型金融的状态，刚推出不久就受到世界各国的欢迎，因此被大力推行。普惠金融发展至今，已经产生了多种形态，并且包含了各种金融产品与服务，主要包括支付、信贷、理财、储蓄等方面。这些形式都能非常好的改善居民生活，帮助创业、投资以及提高资源的有效配置。

本文介绍了普惠金融产生的背景、意义，通过与国外的普惠金融发展现况作对比，得出由于我国农村地区金融供求不均衡，金融体系不健全等问题导致普惠金融在我国还不能有更好的发展。从实践出发，介绍市场上普惠金融的模式，并通过国外案例分析，得出我国要想快速发展普惠金融，应该要发展互联网，让互联网金融服务可以到达偏远地区，这样既节约成本同时也发展了金融业，同时，政府而言，应该出台良好的经济政策，为普惠金融的发展创造有利的条件。

关键词：普惠金融；发展现状；影响因素；案例分析

ABSTRACT：Inclusive Finance was first proposed in 2005, which is able to comprehensively and effectively  provide financial services to all social strata, groups of system, therefore, the United Nations translated it into inclusive financial. Inclusive Finance began to enter the line of sight, with micro-credit and small financial status, soon it was welcomed by all the countries in the world, so it was vigorously implemented. Inclusive financial development so far has produced a variety of forms, and includes a variety of financial products and services, including payment, credit, financial management, savings and so on. These forms can greatly improve the lives of residents, help entrepreneurship, investment, and improve the efficient allocation of resources.  

This paper introduces the background, significance of Inclusive Finance, through comparing with the development of inclusive financial status abroad, it comes to the imbalance of financial supply and demand in rural areas, the financial system is not perfect, leading to the development of Inclusive Finance in China is still not a better. From a practical point of view, this paper introduces the model of Inclusive Finance in the market and analyzes it through foreign cases.If we want to rapidly develop Inclusive Finance,we should develop the Internet so that Internet banking services can reach remote areas.It also saves costs as well as finance, at the same time, the government should introduce good economic policy. And create favorable conditions for the development of inclusive finance.

Key words: Inclusive Finance; the development of status; influencing factor; case analysis

目  录

摘  要 I

ABSTRACT II

第一章  绪论 1

1.1研究背景和意义 1

1.2研究内容和主要方法 2

第二章  普惠金融概述 3

2.1普惠金融的概念 3

2.2普惠金融特征 3

2.3普惠金融与传统金融的比较 4

第三章  我国普惠金融的发展现状 5

3.1普惠金融需求现状 5

3.2普惠金融供给现状 6

3.3普惠金融实施的政策现状 7

第四章  我国普惠金融影响因素分析 9

4.1普惠金融服务不均衡 9

4.2普惠金融体系不健全 10

4.3普惠金融供求不平衡 11

第五章  普惠金融的案例分析 13

5.1国外案例 14

5.2对我国普惠金融的发展启示 14

第六章  我国普惠金融发展对策与建议 17

6.1宏观建议 19

6.2微观建议 19

结束语 19

致  谢 20

参考文献 21

第一章  绪论

1.1研究背景和意义

1.1.1研究背景