CAJ | 학술논문

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.
개혁개방이래,아국성향거민빈부차거축점랍대,사회모순철현.구기원인시다방면적,기중자본수익적존재,비자본요소소유인화“평민” 투자인투자거도불창,투자수구난이만족,무법획득요소증치수익야시중요적영향인소지일.신탁작위공유제적일충실현형식,천생구유금융보혜적공능,과학합리지이용가완해아국적빈부차거.위차,본문종다각도천술료신탁축감빈부차거적가행성、신탁보혜공능발휘적국한성이급종민생각도간신탁업무전형적전첨성.
Since reform and opening-up, the wealth gap between the rich and the poor of urban and rural residents is graduallywidened, and social contradiction is prominent. The reason for this is various, including presence of capital gains, unsmooth in-vestment channel for the owners of non-capital elements and “civilian” investors, difficult to meet the demand of the investmentand unable to get value-added gains of elements. Trust, as a kind of realization form of public ownership, is endowed with finan-cial 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-perspec-tive, the limitation for playing the function of financial inclusion of trust and the expectation of trust business transition from theperspective of people’s livelihood.