提高金融包容:一个银行法的视角

通过提高金融包容促进人类发展已成为国际社会的共识.未来金融法改革,无论是立法还是监管实践应充分考虑金融包容.从银行法改革来看,提高金融包容应与维护银行体系稳定和保护存款人利益共同作为监管机构的监管目标.作为法定的权利,公众获得生命线性的银行服务,可以通过银行社会责任的法定化来实现,并通过私法和公法强制实施.从激励相容和成本效益监管原则出发,对提供小额信贷的金融机构必须实施差异化监管.

The Improvement of Financial Inclusion:the Perspective of Banking Law

It has been a consensus that the development of human world may be facilitated through promoting financial inclusion. As a result, financial law reform, whether legislation or financial supervision in the future, should take into ac- connt financial inclusion. As far as banking law reform is concerned, promoting financial inclusion should be one of the banking regulatory objectives. Access of people to life line banking services, as a legal right, may be achieved through the legalization of the bank＇ s social responsibility, enforced by private and public law. Based on the consistence with the in- centive - compatible and cost - efficiency principles, tiered regulation and supervision should be introduced for micro credit financial institutions.