普惠金融发展研究-畅读网

　　　　

普惠金融发展研究

作者：姜明宇

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内容简介:

从联合国2005年公布的千年目标来看，构建普惠金融体系是要实现社会上所有自然人和法人都能享受到金融服务。从后来学者的研究来看这不仅仅是刺激经济发展、消除贫困的一项措施，更是一项基本人权。普惠金融体系的构建，是我国金融体系发展的一个趋势，也是促进我国经济进一步发展的重要动力。从国际经验来看，普惠金融体系的构建经过了小额贷款、微型金融和普惠金融三个阶段。在小额贷款阶段，金融机构通过设计产品和风控措施向服务对象发放数额较小、期限灵活的贷款，帮助服务对象走出经济困难。

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SELECT `id`,`name` FROM `ls_goods_category` WHERE `id` = 4 LIMIT 1 [ RunTime:0.001168s ]
SELECT `id`,`name` FROM `ls_goods_category` WHERE `id` = 40 LIMIT 1 [ RunTime:0.000703s ]
SELECT `a`.*,`ap`.`width`,`ap`.`height` FROM `ls_ad` `a` INNER JOIN `ls_ad_position` `ap` ON `a`.`pid`=`ap`.`id` WHERE `pid` = 11 AND `ap`.`client` = '2' AND `a`.`status` = '1' AND `a`.`del` = '0' AND `ap`.`status` = '1' AND `ap`.`del` = '0' ORDER BY `sort` DESC,`id` DESC [ RunTime:0.000968s ]
SELECT `a`.*,`ap`.`width`,`ap`.`height` FROM `ls_ad` `a` INNER JOIN `ls_ad_position` `ap` ON `a`.`pid`=`ap`.`id` WHERE `pid` = 14 AND `ap`.`client` = '2' AND `a`.`status` = '1' AND `a`.`del` = '0' AND `ap`.`status` = '1' AND `ap`.`del` = '0' ORDER BY `sort` DESC,`id` DESC [ RunTime:0.000852s ]
SELECT * FROM `ls_goods` WHERE `del` = 0 AND `status` = 1 AND `create_time` <= 1771489288 ORDER BY `create_time` DESC LIMIT 5 [ RunTime:0.635247s ]

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