济南大学学报(社会科学版)2025,Vol.35Issue(1) :40-48.DOI:10.20004/j.cnki.ujn.2025.01.005

普惠金融"范式革命":基于中国范式的分析框架

Inclusive Finance's"Paradigm Revolution":An Analytical Framework Based on the China Paradigm

邢乐成
济南大学学报(社会科学版)2025,Vol.35Issue(1) :40-48.DOI:10.20004/j.cnki.ujn.2025.01.005

普惠金融"范式革命":基于中国范式的分析框架

Inclusive Finance's"Paradigm Revolution":An Analytical Framework Based on the China Paradigm

邢乐成1
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作者信息

  • 1. 济南大学 金融研究院,山东 济南 250002
  • 折叠

摘要

普惠金融概念的提出,颠覆了金融只为富人和高端客户服务的价值取向,从金融哲学观的层面上看,它是一场全新的"范式革命".所谓范式革命,是指普惠金融的出现是金融改革和金融深化的重大事件,它超越、改变了传统商业金融原有的理念、价值取向、技术标准和经营模式.无论是范式的理念和信仰,还是范式的价值和技术要素,普惠金融都是对传统金融范式的扬弃.如果还用原有的金融范式看待普惠金融,就不会改变普惠金融理论和实践的两难困境,就不会看到普惠金融的巨大价值及对未来的深刻影响.对于这种变化,只有站在一定的金融哲学观高度和范式革命立场,才能领悟和洞察.基于此提出普惠金融"范式革命"分析框架,以期作为讨论的深化.

Abstract

The concept of inclusive finance subverts the traditional value orientation that finance solely serves the rich and high-end customers.From the perspective of financial philosophy,it represents a brand-new paradigm revo-lution.A paradigm revolution signifies that the emergence of inclusive finance is a pivotal event in financial reform and deepening,transcending and altering the original concepts,value orientations,technical standards,and business models of traditional commercial finance.Not only in concept and belief,but also in value and technical elements,inclusive finance supersedes the traditional financial paradigm through a process of both preservation and transforma-tion.If we continue to view inclusive finance through the lens of the original financial paradigm,we will not ad-dress the dilemmas faced by inclusive finance in both theory and practice,nor will we appreciate its immense value and profound influence on the future.Only by positioning ourselves at a certain height of financial philosophy and adopting a stance that embraces paradigm revolution can we truly comprehend and grasp this transformation.This pa-per introduces the analytical framework of inclusive finance's"Paradigm Revolution"to further enrich and deepen the discourse on this subject.

关键词

普惠金融/范式革命/中国范式/分析框架

Key words

inclusive finance/paradigm revolution/China paradigm/analytical framework

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出版年

2025
济南大学学报(社会科学版)
济南大学

济南大学学报(社会科学版)

CHSSCD
影响因子:0.552
ISSN:1671-3842
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