金融学专业 供给侧改革背景下辽宁省普惠金融的发展问题及对策研究分析VIP专享VIP免费

摘要2013“”年，党的十八届三中全会提出发展普惠金融，标志着普惠金融成为中国的国家战略，两年后《推进普惠金融发展规划（2016—2020年）》的出台，进一步推动了国内普惠金融的实施。各地区经过多年来的努力收获了不小的进展，辽宁省同样受益良多，经济发展迅速，人民生活质量得到提升。2022“”年是十四五的深化之年，我国迈进新发展阶段，然而辽宁省金融发展仍存在不平衡不充分等诸多问题，普惠金融发展依旧面临严峻挑战。同时，国家供给侧深化改革正进行的如火如荼，在此背景下，如何跟随经济新形态的步伐，从供给层面改善普惠金融发展现状，支持经济社会协调发展，即是本文所要研究的问题。本文以供给侧深化改革为背景，以辽宁省普惠金融发展水平为研究对象，对相关概念和内在联系进行阐明。又选取近年来的金融数据和实事资料，运用文献研究法和比较分析法，对辽宁省普惠金融的需求和供给层面进行研究分析，确立金融机构存贷款、网点分布和从业人员数量和服务质量等评价指标，提出小微企业信贷不足、金融供给失衡、专业人才流失、金融产品同质化和金融服务质量有待提高五大问题，并相应给出强化机构责任、优化供给体系、提高福利水平、数字金融创新、重视金融服务等对策建议。关键词：辽宁省；普惠金融；供给侧改革TheResearchontheDevelopmentofInclusiveFinanceinLiaoningProvinceundertheBackgroundofSupplySideReformAbstractIn2013,theThirdPlenarySessionofthe18thCPCCentralCommitteeproposed"developinginclusivefinance",markingthatinclusivefinancehasbecomeanationalstrategyofChina.Twoyearslater,thedevelopmentPlanforPromotingInclusiveFinance(2016-2020)wasissued,whichfurtherpromotedtheimplementationofinclusivefinanceinChina.Liaoningprovincehasalsobenefitedalot.Itseconomyhasdevelopedrapidlyandthequalityofpeople'sliveshasbeenimproved.2022istheyearofdeepeningthe"14thFive-yearPlan",Chinaisenteringanewstageofdevelopment,buttherearestillmanyproblemsinthefinancialdevelopmentofLiaoningProvince,suchasunbalancedandinadequate,andthedevelopmentofinclusivefinanceisstillfacingseverechallenges.Atthesametime,thedeepeningreformofthenationalsupplysideisinfullswing.Inthiscontext,howtofollowthepaceoftheneweconomicform,improvethedevelopmentstatusofinclusivefinancefromthesupplylevel,andsupportthecoordinateddevelopmentoftheeconomyandsocietyistheproblemtobestudiedinthispaper.ThispapertakesthedeepeningreformofthesupplysideasthebackgroundandthedevelopmentlevelofinclusivefinanceinLiaoningProvinceastheresearchobjecttoclarifytherelevantconceptsandinternalconnections.Italsoselectsfinancialdataandpracticalinformationinrecentyears,usesliteratureresearchmethodandcomparativeanalysismethodtostudyandanalyzethedemandandsupplylevelofinclusivefinanceinLiaoningProvince,andestablishesevaluationindexessuchasdepositandloandistribution,networkdistribution,numberofemployeesandservicequalityoffinancialinstitutions.Thepaperputsforwardfivemajorproblemssuchasinsufficientcreditofsmallandmicroenterprises,imbalanceoffinancialsupply,lossofprofessionaltalents,homogeneityoffinancialproductsandqualityoffinancialservicestobeimproved,andputsforwardcorrespondingcountermeasuresandsuggestionssuchasstrengtheninginstitutionalresponsibility,optimizingsupplysystem,improvingwelfarelevel,digitalfinancialinnovationandattachingimportancetofinancialservices.KeyWords：LiaoningProvince；InclusiveFinance；SupplySideReform目录摘要................................................................IAbstract...............................................................II一、引言................................................................1（一...