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共享发展理念的提出要求我们必须大力发展普惠金融。金融排斥现象的存在决定了监管机构只有通过差异化监管,方能激励更多的金融机构提供普惠金融服务。我国金融监管机构通过放宽市场准入、调整考核评级规则及差别适用监管手段,取得了一定成果,部分普惠金融指标世界领先。但我国仍处于普惠金融初级阶段,当前差异化监管制度仍不能满足我国普惠金融发展的需要。探究其原因,在于制度设计缺陷及制度落实不力,法律空洞化使得差异化监管法律基础不完善。因此,我国应适当借鉴芙国普惠金融差异化监管经验,创新激励约束机制、强化监督追责机制、丰富普惠金融法律法规、优化监管配套制度,完善普惠金融的差异化监管制度。
The idea of shared development requires that we must vigorously develop inclusive finance. The existence of financial exclusion determines that the regulatory agencies can only encourage more financial institutions to provide inclusive financial services through differentiated regulation. China’s financial regulators have achieved some results by relaxing market access, adjusting the rules for appraisal and rating, and applying regulatory measures to differences. Some of the Pratt & Whitney financial indicators are leading the world. However, our country is still in the primary stage of inclusive finance, and the current differentiated regulatory regime still can not meet the needs of the inclusive financial development in our country. To explore the reason lies in the defects of system design and the weak implementation of the system. The legal blanket makes the legal foundation of differential regulation imperfect. Therefore, our country should draw lessons from the experience of differential regulation of the inclusive finance in our country, innovate the incentive and restraint mechanism, strengthen the mechanism of supervision and responsibility recovery, enrich the laws and regulations of inclusive finance, optimize the regulatory system, and improve the differentiated regulatory system of inclusive finance.