唐宁

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　　[ 中国已经有100多家小额信贷服务中介平台从事普惠金融，大部分机构年增长超过50%，部分机构的年增长超过300% ]

[China has more than 100 microfinance services intermediary platform pratt & Whitney in finance,Most institutions rose by more than 50% a year,Part of growth in more than 300%]

　　普惠金融的作用是什么？从广义上说，普惠金融和金融一样，也是通过必要的经济手段实现一系列目标的学问，和传统的以银行为代表的金融机构关注富人和财商较高的人不同，普惠金融更关注收入较低的高成长人群。普惠金融也是如何管理实现目标所需要的资产，通过促成交易的达成，完成目标的实现。具体的目标因人而异，因组织和社会而异，但最终的目的都是符合人类共同的理想，推动平等社会实现，推动科学与艺术进步。

Pratt & Whitney what is the role of financial?Say from broad sense,Pratt & Whitney financial and financial,Also through the necessary economic means to realize the target of a series of learning,And traditional bank as a representative of financial institutions pay close attention to the rich and the higher financial person is different,Pratt & Whitney financial pay more attention to the growth of low income people.Pratt & Whitney finance is how to realize the needs of the target assets management,Through the transaction,The realization of the target.The specific objectives vary from person to person,Because of the organization and social,But in the end is in conformity with the purpose of the common ideal of mankind,Promote social equality,Promote the progress of science and art.

　　中国的金融社会化程度还较低，金融本身是管理风险的，通过复杂的技术分散和管理风险，对风险管理越有效，则资金的使用效率越高，那么越能够减轻不平等的程度。

China's financial socialization is low,Financial itself is risk management,Scattered through the complicated technology and risk management,The more effective management of risk,The higher the efficiency in the use of funds,So as to reduce the degree of inequality.

　　普惠金融本质上是通过技术和营销创新，降低享受金融服务的门槛。由于金融的专业性和复杂性，与人的财产切实相关，需要创新者拥有智慧和远见，守正用奇，以推动社会良性发展为使命；需要金融从业者建立自律组织，鼓励从业人员保持良好的道德操守并为行业制定行为准则；更需要监管者的聪明才智，建立公平的游戏规则，通过有效地监管，信息互动，鼓励行业创新并完善风险控制，通过竞争提高透明度和效率，确保行业发展高效和稳定，有效担负起为经济输送资金的角色，并最终符合公众的利益。

Pratt & Whitney financial is essentially through technical innovation and marketing,Reduce the threshold of enjoy financial services.Because of the financial professional and complexity,And people's property and related,Need innovators have wisdom and vision,Keep with strange,To promote the benign development of the society for the mission;Need financial practitioners establish self-discipline organization,Encourage employees to maintain good ethics and code of conduct for the industry;Need more regulators of intelligence,Establishment of a fair game rules,Through the effective supervision,Information interaction,To encourage innovation and improve risk control,Through the competition to improve transparency and efficiency,Ensure that the development of the industry efficiency and stability,Effective take on the role of capital for the economy,And finally in the interests of the public.

　　过去几年，我国普惠金融体系快速发展并经历了深刻的变革。普惠金融的提供者从非政府组织、国有银行、股份制银行、农信社等扩展到小额贷款公司、信托公司、小额信贷服务中介平台、社会民众等，受助对象也从贫困、低收入的农民扩展到中低收入的小微企业主等高成长群体，服务内容从资金支持扩展到信用服务、信息服务、能力建设、资源整合等服务。这样一个通道的建立，必将促使我们的社会产生一个更有效率的系统，帮助低收入、高成长的群体接触更多的金融工具，并好好地利用。

In the past few years,Pratt & Whitney financial system in our country fast development and has undergone a profound change.Pratt & Whitney financial provider from non-governmental organizations/The state-owned Banks/Joint-stock Banks/The cooperatives and expanded to small loans company/The trust company/Microfinance services intermediary platform/Such as social people,Recipients object from poverty/Low-income farmers spread to middle income of small micro business owners high population growth,Service content from funding to extend credit services/Information service/Ability construction/Resource integration services.The establishment of such a channel,Will make our society a more efficient system,To help low-income/Top long group contact more financial instruments,And to use.

　　普惠金融的基础是普惠信用。从某种角度讲，市场经济就是信用经济。信用环境的好坏直接影响经济的健康发展。社会整体信用，是各种社会主体基于契约精神而组成的。在中国的传统文化中，信用属于道德范畴。我国从计划经济向市场经济转轨的过程中，没有建立相应的社会信用意识。由于忽视了信用的使用价值，造成失信的机会成本过低。通过建立、释放和创造信用价值，将有助于降低社会和经济活动的交易成本，提高效率，有助于获得发展所需的物质资本和社会资本，并且创造新的经济价值和和社会价值。西方发达国家对小微企业和高成长人群的金融支持具有较高的运行效率，关键的因素在于社会信用体系相当健全，信息化水平高。我国信用环境发展滞后、信用体系缺失，造成交易成本居高不下、和谐社会基础需要构建。这些现实中存在的种种问题，更说明我们需要对金融体系进行更深层次的现代化和扩大化改造。财富分配和资金筹措这个古老的问题，需要通过改进公众教育和沟通方式等措施逐步改善，金融活动的大门，最终需要向所有人敞开。

Pratt & Whitney pratt & Whitney is the basis of financial credit.From a certain Angle,Market economy is credit economy.Credit environment directly affect the healthy development of the economy.Society as a whole credit,Is all sorts of social subject based on the contract spirit and composition.In the traditional culture of China,The credit belongs to the scope of morality.The process of transition from the planned economy to the market economy in our country,Not set up corresponding social credit consciousness.Due to ignore the use value of the credit,'opportunity costs low.Through the establishment of/Release and create credit value,Will help to reduce the transaction costs of social and economic activities,Improve the efficiency,Helps to gain needed for the development of physical capital and social capital,And the creation of new economic value and social value.Western developed countries of the small micro enterprise and the growth of financial support with high efficiency,Key factor lies in the social credit system is quite sound,Informatization level is high.Credit environment development in our country lags behind/Lack of credit system,Due to high transaction costs/Foundation to construct harmonious society.These problems exist in real life,More that we need for the modernization of the financial system of the deeper and enlargement.The distribution of wealth and financing the old problems,Need by improving the public education and communication measures such as improved step by step,Financial activities of the gate,Eventually need to be open to all.

　　根据哈佛商学院2012年发布的《中国P2P借贷市场潜力调研报告》，中国已经有100多家小额信贷服务中介平台从事普惠金融，大部分机构年增长超过50%，部分机构的年增长超过300%。小额信贷服务中介行业成为既不同于商业银行间接融资，也不同于资本市场直接融资的第三种金融融资模式，我称之为“小额信贷服务中介融资市场”。根据广发证券(000776,股吧)近期发布的报告，我国民间融资市场规模3万亿～4万亿元。由此可以看到，以服务小微企业和农民为主的小额信贷服务中介市场空间巨大。以小额信贷服务中介为代表的普惠金融蓬勃发展，创造出巨大的经济价值和社会价值，引起政府、媒体和公众的持续关注，围绕行业贡献、法律地位和规范化操作的讨论一直不断。

According to the harvard business school in 2012[China P2P lending market potential research report],China has more than 100 microfinance services intermediary platform pratt & Whitney in finance,Most institutions rose by more than 50% a year,Part of rose by more than 300% a year.Microfinance services intermediary industry makes the commercial bank is different from indirect financing,Is different from direct financing of the third kind of financial capital market financing mode,I call it"Microfinance services intermediary financing market".According to the wide hair negotiable securities(000776,Shares!)Recently released report,Our country folk financing market scale 3 trillion ~ 4 trillion yuan.So you can see,To serve the small micro enterprises and farmers for the sake of the microfinance services intermediary market space is huge.With microfinance services intermediary pratt & Whitney, on the basis of financial development,Create the huge economic value and social value,Caused by the government/The media and the public concern,Around the industry contribution/The operation of standardization of the legal status and discuss have been continuously.

　　世界的变化非常迅速，全球化趋势和信息技术突飞猛进。与世界先进国家相比，中国的金融制度相对不成熟，金融社会化程度较低，金融体量和直接或间接参与金融业的人员都较小规模。面向未来，十八大对未来五年深化金融体制改革做出部署，建立支持实体经济发展的现代金融体系，发展多层次资本市场是未来五年金融体制改革的重要方向。以民间金融为代表的创新金融，特别是以小额信贷服务中介行业为代表的民间创新金融，在商业理念、客户定位、经营模式等方面独具特色，通过服务小微企业、农民等高成长群体可以很好地支持实体经济发展，逐步成为中国金融改革和金融创新的重要新兴力量，未来将成为多层次金融体系的重要组成部分。

The world changes very quickly,Globalization and information technology by leaps and bounds.Compared with the advanced countries,China's financial system is relatively immature,Financial socialization degree is low,The financial dimension and directly or indirectly involved in the financial industry personnel are smaller.Looking to the future,18 the deployment to the next five years to deepen reform of the financial system,Set up to support the real economy of the development of the modern financial system,Development of multi-level capital market is the important direction of financial reform over the next five years.Represented by the folk financial innovation of finance,Especially in microfinance services intermediary industry as a representative of the folk financial innovation,In the business philosophy/Customer orientation/Unique business model, etc,Through the small micro enterprise service/Farmers high growth group can well support the real economy development,Gradually become an important emerging force of China's financial reform and financial innovation,The future will become an important part of the multi-level financial system.