摘要
农村金融是现代金融体系中最薄弱的环节。本文在全面分析普惠金融发展状况基础上,从供给主体、需求主体与基础配套条件三个方面揭示了西部地区农村普惠金融发展现实困境与主要障碍,剖析了西部地区农村普惠金融发展现实困境的成因,据此提出了优化农村普惠金融发展的体制机制、推进农村金融产品和服务方式创新、加快农村普惠金融基础设施与基础条件建设、重构农村信用体系、加强普惠金融教育、提升农民金融素养等政策与对策建议。
Rural finance is the weakest part in the modern financial system. Based on a comprehensive analysis of the development of inclusive finance,this paper reveals the practical dilemma and main obstacles to the development of rural inclusive finance from three aspects: supply subject,demand subject and basic supporting conditions in the western rural region,analyses the causes of the difficulties in the development of inclusive finance in the Western Rural Regions and proposes some policy suggestions,such as optimizing the institutional mechanism of the development of rural inclusive finance,promoting innovation in rural financial products and services,accelerating the construction of rural inclusive financial infrastructure and basic conditions,reconstructing rural credit systems,strengthening inclusive financial education and enhancing farmers’ financial literacy.
作者
罗剑朝
曹瓅
罗博文
LUO Jianchao;CAO Li;LUO Bowen
出处
《农业经济问题》
CSSCI
北大核心
2019年第8期94-107,共14页
Issues in Agricultural Economy
基金
国家自然科学基金项目(编号:71573210,71873100)
教育部人文社会科学研究基金项目(编号:18YJC790002)
江苏省高校哲学社会科学研究基金项目(编号:2018SJA0233)
关键词
普惠金融
农村普惠金融
发展模式
数字金融
金融素养
Inclusive finance
Rural inclusive finance
Development patterns
Digital finance
Financial literacy
