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    四川省普惠金融发展现状与政策建议

    摘要

    本报告对四川普惠金融发展现状与问题进行了概括分析,并在此基础上提出相应的政策建议。近年来四川省普惠金融服务在覆盖率、可得性、满意度方面取得明显成效,但仍面临诸多问题与挑战:服务不均衡、体系不健全、产品创新力度不够、金融商业可持续不显著。四川要推进经济金融发展,实现西部金融中心战略,促进创新创业战略实施,切实落实精准扶贫战略,全面建成小康社会,需要从几个方面推进普惠金融的发展:加快对普惠金融企业的批准,实现互联网小额贷款业务准入;增加对普惠金融企业的税前拨备和实施国家西部大开发鼓励类产业税收优惠政策的适用范围;加大财政对专项风险资金支持及贴息政策支持。

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    Abstract

    This paper summarizes the current situation and problems of inclusive financial development in Sichuan,and puts forward relevant policy recommendations on this basis. In recent years,Sichuan province has made remarkable achievements in the inclusive financial services in terms of their coverage,availability,satisfaction and other aspects,but there are still many problems and challenges: inclusive financial services are not balanced;inclusive financial system is not perfect;inclusive financial product innovation is insufficient;sustainable inclusive finance business is not significant. In order to promote economic and financial development,realize the strategy of the western financial center,promote the implementation of the strategy of innovation and entrepreneurship,implement the strategy of precise poverty alleviation and establish a well-to-do society in an all-round way,Sichuan must promote the development of inclusive finance in several aspects: speeding up approval of inclusive financial enterprises open to the development of Internet micro loans,increasing the inclusive financial enterprise pre tax provision and implementing industry preferential tax policies to encourage the development of West China policy-supported enterprises,increasing financial support for special fund-backed and interest-subsidy policies.

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    作者简介
    袁境:袁境,经济学博士,四川省社会科学院产业经济研究所副研究员,研究方向为产业经济学、投资学。
    苏静:苏静,金融学博士,中共四川省委党校区域经济教研室,研究方向为互联网金融、小微金融。
    罗志华:罗志华,金融学博士,四川省社会科学院金融研究所副研究员,研究方向为金融学。
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