普惠金融的主要任务就是为社会上的弱势群体包括小微企业在内的“低端客户”提供金融服务,从而为这些群体的生存、发展、壮大提供机会。但普惠金融在引入我国之后出现了一系列问题,其中主要原因是制度方面的藩篱,为此应当从深化金融的供给侧改革、健金融基础设施、加强全民的金融教育等方面着手,以解决普惠金融真正惠及弱势群体、特别是以民营经济为主体的小微企业群体的矛盾。 The main task of Pratt & Whitney finance is to provide financial services to the “low-end customers”, including the disadvantaged groups in society, including small and micro enterprises, so as to provide opportunities for the survival, development and expansion of these groups. However, after the introduction of Pratt & Whitney finance into China, a series of problems emerged. The main reason for this was the institutional barriers. Therefore, we should start with deepening the supply-side reform of finance, strengthening financial infrastructure and strengthening the financial education of the whole people Pratt & Whitney finance truly benefits disadvantaged groups, especially the contradictions among the small and micro enterprise groups that mainly include the private economy.