| 摘要: |
| 改革开放以来，我国城乡居民贫富差距逐渐拉大，社会矛盾凸显。究其原因是多方面的，其中资本收益的存在，非资本要素所有人和“平民”投资人投资渠道不畅，投资需求难以满足，无法获得要素增值收益也是重要的影响因素之一。信托作为公有制的一种实现形式，天生具有金融普惠的功能，科学合理地利用可缓解我国的贫富差距。为此，本文从多角度阐述了信托缩减贫富差距的可行性、信托普惠功能发挥的局限性以及从民生角度看信托业务转型的前瞻性。 |
| 关键词: 信托 贫富差距 金融普惠 民间借贷 房地产投资 信托市场化改革 |
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| Trust Industry Market oriented Reform: Path Exploration for Narrowing the Gap between the Rich and the Poor in China |
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WANG Mei tao
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| Abstract: |
| Since reform and opening up, the wealth gap between the rich and the poor of urban and rural residents is gradually widened, and social contradiction is prominent. The reason for this is various, including presence of capital gains, unsmooth investment channel for the owners of non capital elements and “civilian” investors, difficult to meet the demand of the investment and unable to get value added gains of elements. Trust, as a kind of realization form of public ownership, is endowed with financial inclusion and can alleviate the wealth gap between the rich and the poor in China by scientific and reasonable use of the trust. Therefore, this article discusses the feasibility for using trust to narrow the gap between the rich and the poor from multi perspective, the limitation for playing the function of financial inclusion of trust and the expectation of trust business transition from the perspective of people’s livelihood. |
| Key words: trust the gap between the rich and the poor financial inclusion civilian credit real estate investment trust market oriented reform |
