本文選題：包容性增長(zhǎng) + 金融包容��； 參考：《新疆財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：2011年4月15日，中國(guó)國(guó)家主席胡錦濤在博鰲亞洲論壇上發(fā)表了題為《包容性發(fā)展：共同議程與全新挑戰(zhàn)》的主題發(fā)言，闡述了中國(guó)對(duì)“包容性發(fā)展”理念的看法以及我們?cè)凇鞍菪园l(fā)展”上的實(shí)踐。包容性發(fā)展理念強(qiáng)調(diào)均衡增長(zhǎng)的思想、反對(duì)保護(hù)主義、兼顧不同主體需求和重視吸收新觀念、新知識(shí)的看法。包容性發(fā)展的戰(zhàn)略為解決經(jīng)濟(jì)發(fā)展中結(jié)構(gòu)失衡問題提供了新的思路，對(duì)探索我國(guó)金融改革發(fā)展的戰(zhàn)略路徑具有重要的實(shí)踐指導(dǎo)作用。 新疆地處西北偏遠(yuǎn)地區(qū)，呈現(xiàn)出獨(dú)特的、典型的區(qū)域經(jīng)濟(jì)特征。在西部大開發(fā)和19省市對(duì)口支援的背景下，經(jīng)濟(jì)發(fā)展迅速。2012年新疆經(jīng)濟(jì)實(shí)現(xiàn)了新突破：全疆生產(chǎn)總值（GDP）7466.30億元，同比增長(zhǎng)12%。在經(jīng)濟(jì)快速發(fā)展的同時(shí)，很多人沒有享受到經(jīng)濟(jì)發(fā)展的成果，有些人甚至更加貧窮，在全國(guó)基尼系數(shù)不斷增加的同時(shí)，新疆金融發(fā)展也是極其不平衡的，也就是非包容性發(fā)展，本文總共分五個(gè)章節(jié)，緒論詳細(xì)敘述了包容性發(fā)展現(xiàn)狀，并介紹了本文的研究方法和不足。 第一章主要對(duì)金融包容理論進(jìn)行了分析和界定，首先包容性發(fā)展就是要使所有人享受到經(jīng)濟(jì)發(fā)展帶來的成果，使人民的生活得到改善。其次金融包容提倡的是在經(jīng)濟(jì)發(fā)展的過程中，要使大部分人能夠享受金融服務(wù)，為需要資金的人提供資金，提高保險(xiǎn)密度和保險(xiǎn)深度，增加融資渠道，促進(jìn)經(jīng)濟(jì)平衡發(fā)展和居民平等享受社會(huì)發(fā)展成果。 第二章將新疆與全國(guó)金融進(jìn)行對(duì)比，發(fā)現(xiàn)新疆在金融領(lǐng)域與全國(guó)的差距。并且將新疆各個(gè)地區(qū)從整體經(jīng)濟(jì)發(fā)展?fàn)顩r、經(jīng)濟(jì)結(jié)構(gòu)、保險(xiǎn)、金融機(jī)構(gòu)、證券多維度的進(jìn)行對(duì)比，發(fā)現(xiàn)各地區(qū)金融經(jīng)濟(jì)發(fā)展極其不平衡，越是貧困的地區(qū)金融發(fā)展越落后。而且新疆還存在特殊的人口結(jié)構(gòu)、民族文化和地理結(jié)構(gòu)，對(duì)新疆各地區(qū)的經(jīng)濟(jì)和金融進(jìn)行了詳細(xì)的分析。 第三章主要是通過第二章數(shù)據(jù)分析找出金融包容不足的原因。首先新疆由于其自身的原因造成金融包容不足，，新疆經(jīng)濟(jì)落后，很多金融企業(yè)不愿入駐新疆；新疆地區(qū)特殊的文化、人口結(jié)構(gòu)在某種程度上導(dǎo)致了居民主體對(duì)金融的排斥；其次金融政策不完善，比如民間資本缺乏有效的規(guī)范、普惠金融制度的不健全等原因；最后是由于金融機(jī)構(gòu)本身發(fā)展不完善、金融產(chǎn)品種類較少和金融機(jī)構(gòu)社會(huì)責(zé)任缺失等。以上原因都是導(dǎo)致金融對(duì)貧困地區(qū)和貧困人口的非包容性發(fā)展。 第四章是根據(jù)第三章的原因提出相應(yīng)的政策。首先新疆應(yīng)加快自身經(jīng)濟(jì)發(fā)展速度，促進(jìn)全國(guó)對(duì)新疆地區(qū)的包容，并且新疆各地區(qū)應(yīng)充分發(fā)揮自身優(yōu)勢(shì)，提高各地區(qū)經(jīng)濟(jì)實(shí)力，促進(jìn)新疆整體經(jīng)濟(jì)實(shí)力的提升。新疆還應(yīng)該加強(qiáng)教育投資，促使居民適應(yīng)新時(shí)代社會(huì)，對(duì)特殊人群的文化和信仰應(yīng)該取其精華，棄其糟粕。
[Abstract]:In April 15, 2011, Chinese President Hu Jintao issued a keynote speech entitled "inclusive development: the common agenda and new challenges" at the Boao Forum on Asia. It expounded China's views on "inclusive development" and our practice in "inclusive development". The concept of inclusive development emphasizes the idea of balanced growth. The strategy of inclusive development provides a new way of thinking for solving the problem of structural imbalance in economic development and plays an important role in exploring the strategic path of China's financial reform and development.
Xinjiang is located in the remote area of Northwest China, showing unique and typical regional economic characteristics. Under the background of western development and 19 provinces and cities' counterpart support, Xinjiang economy achieved a new breakthrough in the rapid economic development in.2012 years: the total value of GDP (GDP) was 746 billion 630 million yuan, up 12%. At the same time of rapid economic development, many people did not enjoy it. The results of economic development, some people even more poor, while the national Gini coefficient is increasing, Xinjiang financial development is also extremely unbalanced, that is, non inclusive development. This article is divided into five chapters. The introduction details the present situation of inclusive development, and introduces the research methods and shortcomings of this article.
The first chapter mainly analyzes and defines the theory of financial inclusion. First, inclusive development is to enable all people to enjoy the results of economic development and improve the people's lives. Secondly, financial inclusion advocates that in the process of economic development, the majority of people are able to enjoy financial services and provide the people in need of funds. Capital, improve insurance density and insurance depth, increase financing channels, promote balanced economic development and enjoy equal benefits of social development.
The second chapter compares Xinjiang with national finance, and finds the gap between Xinjiang and the country in the financial field, and compares the various regions of Xinjiang from the overall economic development, economic structure, insurance, financial institutions and securities, and finds that the financial and economic development of each region is extremely unbalanced and the financial development of the poorer areas is falling. Besides, there are special population structure, ethnic culture and geographical structure in Xinjiang. The economy and finance in various regions of Xinjiang are analyzed in detail.
The third chapter is mainly through the analysis of second chapters of data analysis to find out the reasons for the lack of financial inclusion. First of all, because of its own reasons, Xinjiang has caused insufficient financial inclusion, Xinjiang's economy is backward, and many financial enterprises are reluctant to enter Xinjiang; the special culture of Xinjiang, to some extent, leads to the exclusion of the main body to the finance by the population structure. Secondly, the financial policy is not perfect, such as the lack of effective norms of private capital, the imperfect financial system and other reasons. Finally, because of the imperfect development of the financial institutions themselves, the less kinds of financial products and the lack of social responsibility of the financial institutions, the above reasons are the non inclusive development of the financial institutions to the poor areas and the poor. Exhibition.
The fourth chapter puts forward the corresponding policy according to the reasons of the third chapter. First of all, Xinjiang should speed up its own economic development speed and promote the tolerance of the whole country to the Xinjiang region. And all regions of Xinjiang should give full play to their own advantages, improve the economic strength of each region and promote the overall economic promotion of Xinjiang. Xinjiang should also strengthen the investment in education and promote the promotion of the overall economic strength of Xinjiang. The residents should adapt themselves to the new society and take the essence and discard the dross of their culture and beliefs.
【學(xué)位授予單位】：新疆財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.7

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