有这么一个段子,这年头,开100万奔驰的大款,大多是在银行贷款千万以上的,而刚发工资就急匆匆往银行里存钱的,大多是骑着2000块电动车的屌丝。为什么富人钱越借越多,而穷人钱越存越少呢?答案很简单,因为现有的金融体系和普惠金融的目标还是有距离。什么是普惠金融呢?首先,普惠金融是基于真实的需求结构来提供金融服务的。现有的金融需求结构是扭曲的,金融机构倾向于把钱借给有实力的大企业和个人,而不是根据他们真实的金融需求来配 There is such a passage, this year, 1 million Mercedes-Benz’s big money, mostly in the bank loans of more than 10 million, and just paid wages hurried to the bank to save money, mostly riding a 2000 electric car reeling. Why do more and more money are borrowed by the rich and less is saved by the poor? The answer is very simple because there is a distance between the existing financial system and the goal of inclusive finance. What is inclusive finance? First, inclusive finance provides financial services based on real demand structures. Existing financial demand structures are distorted, and financial institutions tend to lend money to powerful big businesses and individuals rather than to their real financial needs