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易纲:警惕打“普惠金融”旗号的欺诈 避免踏入“庞氏骗局”

2017-09-22 12:02:08   中国经济网

经济日报-中国经济网北京9月22日讯 (记者 马常艳)中国人民银行副行长易纲今天在“中国普惠金融国际论坛”上表示,普惠金融必须依法合规开展业务,要警惕打着“普惠金融”旗号的违规和欺诈行为。凡是搞金融都要持牌经营,都要纳入监管。公众需要培养风险意识,区分合法金融与非法集资,避免踏入 “庞氏骗局”的陷阱 。

易纲肯定普惠金融对于经济发展的作用。他指出,普惠金融对于宏观经济发展的重要意义不断显现,普惠性的账户和存款服务可以提高居民储蓄率和投资率;普惠性的账户和存款服务可以提高居民储蓄率和投资率;普惠性的支付服务可降低全社会交易成本:交易瞬间完成,边际成本接近零;普惠金融服务可以使经济参与者产生海量经济足迹,消除信息不对称。

此外,普惠金融也有助于金融稳定。个体层面,使个体在经济波动时能够平滑消费支出,降低流动性风险,提升 财务健康度,提高风险承受能力 ;行业层面,促使金融机构将信贷资产分散到更广泛的客户群,避免集中于少数大客户和重资产的周期性行业,有助于分散经营风险;社会层面,帮助弱势群体摆脱贫困,缩小贫富差距,避免马太效应,培育中产阶级,提升社会平等和稳定,孕育稳定的金融体系。

易纲强调,随着普惠金融在国民经济中的地位不断提升,需要在金融消费者保护方面同步加强能力建设,探索相关重大问题。在美国次贷危机爆发前,大量家庭都可以轻易获得信贷,信贷普及率极高,配 套的保险服务和证券化产品也很齐全,看似实现了高水平的普惠金融。但其缺失的最大一块就是金融消费者保护,让消费者承受了过高的风险,最终 损害了整个宏观经济,消费者损失惨重,银行、证券和保险机构也不能幸免。为此,美国迅速制定法律,提出了“负责任金融(Responsible Finance)”的 理念,要求对消费者的风险承受能力开展尽职调查,而不是盲目扩张金融服务 。

易纲最后说,普惠金融能够有效促进宏观经济的发展和稳定,期待普惠金融在国民经济中扮演日益重要的角色,为推进供给侧结构性改革,加速中国经济的转型升级发挥出重要的作用。

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