普惠金融评价体系、影响及问题研究综述
Review on Evaluation System, Influence and Problems of Inclusive Finance

普惠金融概念提出已有十余年，其对于国家经济发展的重要性广受认可。本文总结了普惠金融的相关定义，介绍了普惠金融的发展背景及其意义，及概述了普惠金融的发展评价体系。具体来说，本文探究了普惠金融对扶贫攻坚、增加收入、促进消费、缩小城乡收入差距以及创新创业这四个方面所产生的积极影响。并通过评价体系中的微观切口总结发现我国普惠金融发展的不足之处。最后，本文总结出下阶段我国普惠金融发展应重点关注的三个问题：第一，金融机构与非金融机构之间如何实现互补发展；第二，地区之间如何实现均衡发展；第三，我国与国际之间的差距如何追赶补足。
Since the concept of inclusive finance was put forward more than ten years ago, its importance to international economic development has been widely recognized. This paper summarizes the rele-vant definitions of inclusive finance, introduces the development background and significance of in-clusive finance, and outlines the development evaluation system of inclusive finance. Specifically, this paper explores the positive impact of inclusive finance on poverty alleviation, increasing in-come, promoting consumption, narrowing the income gap between urban and rural areas, innova-tion and entrepreneurship; through the micro incision in the evaluation system summarizes the deficiencies of the development of inclusive finance in China. Finally, this paper summarizes three issues that should be focused on in the development of inclusive finance in China in the next stage: Firstly, how to achieve complementary development between financial institutions and non-financial institutions; Secondly, how to achieve balanced development among regions; Thirdly, how to fill in the gap between our country and the international.