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“普惠金融”概念由联合国在宣传“2005小额信贷年”时提出，并迅速在全球范围内被广泛采用。实际上，普惠金融在中国的发展已有多年的历史，并形成了含微观、中观和宏观三个层面的组织体系。本报告主要介绍山东省普惠金融发展的背景及现状：一方面从小微金融组织、民间金融组织、互联网金融组织、合作金融组织的角度介绍我国普惠金融的现状，与分报告中山东相应普惠金融组织的发展现状形成对比；另一方面介绍山东传统金融（含银行、证券、保险）的现状，引出山东省发展普惠金融的必要性、发展现状及山东普惠金融发展过程中存在的一系列问题和不足，并提出山东发展普惠金融应营造良好的金融政策环境、增加普惠金融供给、提高普惠金融产品与服务的创新能力、完善金融监管、建立健全普惠金融信用信息体系的发展建议。
<<The concept of “inclusive finance” was proposed by the United Nations in the promotion of the “Microcredit Year 2005” and was rapidly adopted worldwide. In fact， inclusive finance has been developing for many years in China， and formed an organizational system with micro， middle and macro levels. This report mainly introduces the background and current situation of the development of inclusive finance in Shandong Province. On the one hand， it introduces the current situation of inclusive finance in China from the perspectives of small and micro financial organizations， folk financial organizations， internet financial organizations and cooperative financial organizations.On the other hand， it introduces the current situation of traditional finance （including banking， securities and insurance） in Shandong Province，introduces the necessity and current situation of developing inclusive finance in Shandong Province， and a series of problems and deficiencies in the development of inclusive finance in Shandong Province.It also puts forward some suggestions for Shandong Province to develop inclusive finance， such as creating a good financial policy environment， increasing the supply of inclusive finance， improving the innovation ability of inclusive financial products and services， perfecting financial supervision， establishing and perfecting the information system of inclusive financial credit.
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