吴亮,俞哲

• 1:清华大学公共管理学院

摘要(Abstract)：

本文通过归纳梳理国内外关于金融排斥理论文献,发现金融排斥研究经历了三个理论范式:金融地理学范式的金融排斥研究、金融发展学范式的金融排斥研究和普惠金融范式的金融排斥研究。从金融地理学范式到普惠金融理论范式,金融排斥研究经历了从理论驱动研究到对策驱动研究的过程,同时学界对金融排斥度量的研究不断深化。在前人研究基础上,本文提出了两种金融排斥产生机理:基于金融需求者角度的排斥产生机理是金融机构(金融供给者)有意将某部分企业(如中小企业)或个体(如农村农民)排斥在金融服务之外;而基于金融需求者角度的金融排斥产生机理是金融需求者主动将自己排斥在金融服务之外,这是导致当前中小企业和贫困人口融资难的一个重要原因。最后,本文展望了未来金融排斥研究的三个可能发展方向:从关注宏观格局到关注微观机理、从关注客观排斥到关注主观排斥和从关注常住人口排斥问题到关注流动人口排斥问题。

关键词(KeyWords)： 金融排斥;金融地理;金融发展;普惠金融

Abstract:

Keywords:

基金项目(Foundation):

作者(Author): 吴亮,俞哲

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