首页|我国普惠金融政策"目标-工具"协同研究——基于2016-2022年文本量化分析

我国普惠金融政策"目标-工具"协同研究——基于2016-2022年文本量化分析

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基于政策协同理论,利用文本量化分析方法,构建政策目标-政策工具二维分析框架,对2016-2022 年中央层面的普惠金融政策文本展开内容挖掘编码和量化研究.研究发现,现阶段我国普惠金融政策目标锚定机会平等和增强商业可持续性,政策目标组合平衡性和前瞻性不足;供给型、需求型和环境型政策工具均有使用,但对供给型政策具有明显的选择性偏好,需求型工具相对不足;目标-工具协同性较弱,存在多数政策工具服务于少量政策目标现象,对金融风险防控目标和政策工具缺乏足够重视.优化政策目标组合、增强政策目标的平衡性和前瞻性、优化政策工具结构、提高工具和目标的协同是未来优化的方向.
Research on China's"Goal-Tool"Synergy of Inclusive Financial Policies:A Quantitative Analysis Based on the Policy Texts from 2016 to 2022
Based on the theory of policy synergy and using the text quantitative analysis method,this paper constructs a two-dimensional analysis framework of policy goal-policy tool,and carries out content mining,coding and quantitative research on the policy texts of inclusive finance at the central government level from 2016 to 2022.The research finds that at the present stage,China's policy goals anchor equality of opportunity and enhancing business sustainability,but the combination of policy goals is insufficiently balanced and forward-looking;supply-based,demand-based,and environmental policy tools are all utilized,but there is a clear preference for supply-based policies,and demand-based tools are relatively scarce;the synergy between goals and tools is weak,with most policy tools serving a small number of policy goals and less attention paid to financial risk prevention and control goals and policy tools.Therefore,optimizing the combination of policy goals,enhancing the balance and foresight of policy goals,optimizing the structure of policy tools,and improving the synergy between tools and goals are the directions for future optimization.

inclusive financepolicy goalspolicy toolsgoal-tool synergy

周光霞、裴盼盼、谭业晓

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齐鲁工业大学(山东省科学院)经济与管理学部,山东 济南 250353

普惠金融 政策目标 政策工具 "目标-工具"协同

教育部人文社会科学研究规划基金项目济南市哲学社会科学课题齐鲁工业大学(山东省科学院)人才科研项目

20YJA790096JNSK22B182023RCKY259

2024

金融理论与教学
哈尔滨金融学院

金融理论与教学

CHSSCD
影响因子:0.308
ISSN:1004-9487
年,卷(期):2024.42(4)