新闻 > 经济
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China

好风凭借力 普惠正当时

2017-09-08 14:06:52   中国经济网

发展普惠金融是一项关乎我国经济结构调整和发展方式转型、关乎人民福祉的重大事业。党的十八大以来,国家制定了一系列普惠金融相关政策,银行业也开始了对普惠金融发展的全面布局,促使我国普惠金融进入了“黄金时代”。

我们看到,过去五年来,金融机构努力提升普惠金融服务水平,不断推动网点渠道创新转型,在便民、惠民金融领域加大创新支持力度,金融服务覆盖面明显扩大。无论城市居民还是偏远乡村的农牧民,越来越多的人成为普惠金融的受益者。普惠金融的发展为中小微企业、“三农”及贫困地区等薄弱领域打开了共同发展的窗口,使其看到了共同创富的希望。 

拾遗补缺普惠金融被寄予厚望 

“普惠金融”是在2005国际小额贷款会议上首次提出的,其核心是能有效、全方位地为社会所有阶层和群体提供金融服务。中小微企业、农民、城镇低收入人群、贫困人群和残疾人、老年人等特殊群体是当前我国普惠金融重点服务对象。 

长期以来,农户贷款难是农村经济发展中的“老大难”。据中国社科院2016年发布的《“三农”互联网金融蓝皮书》显示,自2014年起,我国“三农”金融缺口超过3万亿元。2015年,我国农牧渔业贷款约为3.5万亿,仅占到全口径贷款的3.7%,远远低于农业增加值占GDP中9%的比例。在信用贷款方面,目前只有27%的农户能从正规渠道获得贷款,40%以上有金融需求的农户难以获得贷款。 

不仅是“三农”金融,中小微企业也同样遭遇融资难题。 

中小微企业作为实体经济的重要组成部分,在促进市场竞争、增加就业机会、方便群众生活、推进技术创新、推动国民经济发展和保持社会稳定等方面发挥着重要作用。工信部数据显示,中小企业提供了50%以上的税收,创造了60%以上的国内生产总值,完成了70%以上的发明专利,提供了80%以上的城镇就业岗位。 

然而,大量中小企业、小微商户的投融资需求,远远没有被满足。据中国中小企业协会中小企业融资状况调查显示,在受调查的企业中,超过一半的企业在发展壮大过程中有融资需求。但从实际情况来看,仍有许多中小企业却因信用记录不完善、抵押品缺乏等原因,难以获得银行贷款等外部融资,即使获得融资也不得不承受较高的融资成本,有时甚至超出其承受能力。 

上一页1/8下一页
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170908/31324280.html
Server: cms-9-53
Date: 2024/11/30 08:44:24

Powered by China
China