互联网环境下普惠金融发展研究——以中国邮政储蓄银行金融实践为例

THE STUDY ON INCLUSIVE FINANCIAL DEVELOPMENT IN THE INTERNET ENVIRONMENT——BASED ON THE FINANCIAL PRACTICE OF PSBC AS AN SAMPLE

关键词:  普惠金融 互联网 金融创新 可持续发展

Key words:  inclusive finance  internet  financial innovation  sustainable development

摘要:

“普惠金融”是指以多元化的金融供给让所有对金融有需求的人都可以平等地享受金融服务，发展普惠金融已在2013年底纳入了我国党的执政纲领。通过以中国邮政储蓄银行的普惠金融实践为例子，有助于了解国内在互联网环境下发展普惠金融的情况。互联网有效地解决了信息不对称、交易成本、区域限制等传统发展瓶颈，其与发展普惠金融有高度契合点，指出当前发展普惠金融必须借力互联网才能实现长足发展，并最终实现普惠的目标。同时指出在我国国情下商业银行要警惕盲目的急功近利发展风险等，并同时在此基础上提出相关政策建议。传统商业银行在发展普惠金融过程中应加强统一认识，在发展过程中既要坚持利用互联网技术，创新发展普惠金融，又必须坚持以商业的原则做好风险管理，特别是利用互联网技术实现客户事前风险甄别和事后风险监测，从而保障普惠金融的可持续发展。

Abstract:

Inclusive finance means all the financial demands of the public can be met by diversified financial services equally. The development of Inclusive Finance has been incorporated into the guiding principle of our party by the end of 2013. Taking the inclusive financial practice of Postal Savings Bank of China (PSBC) as an example, it would contribute to form the overview of inclusive financial in the internet environment. The new internet technology had effectively solved the problem of asymmetric information, high transaction costs, the regional restrictions and other traditional development bottleneck. So the current development of inclusive finance must draw support from the internet, and ultimately achieve the goal of common prosperity. In order to realize a sustainable development of inclusive financial, the commercial bank should avoid the risk of blindly seeking the quick and instant development. In the process of inclusive financial development, the traditional commercial banks should strengthen the consensus that they should adhere to not only the use of new internet technology, but also the risk management by business principle, especially the ex ante customer identification and the ex post risk monitoring.