浅析我国农村金融排斥与普惠金融机制建设
Analysis on Rural Exclusive Finance and Inclusive Finance System Construction in China
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초록
我国的农村金融发展滞后已经成为农村经济发展的瓶颈. 近年来，虽然我国政府很重视农村普惠金融发展，中央层面、地方层面的法律法规和政策文件相继出台，不同类型的供给机构先后成立，但是效果不尽理想. 农村普惠金融服务的对象中，中低收入和贫困的农户是最难得到金融服务支持的群体. 受各种金融排斥因素的影响，我国农村地区的金融服务需求无法得到有效的满足. 本文通过梳理我国农村金融排斥的现状，针对现实存在的问题，提出普惠金融体系建设路径的建议.
Abstract
There are vast rural areas in China. Rural financial development lag has become the bottleneck that impedes rural economic improvement. State government attach great importance on rural financial development-related laws, regulations and policies are successively issued by central and local governments; various suppliers are established in succession. However, few achievements have been attained. The low-and-middle income households and poor peasants are the hardest ones to receive rural financial service. Affected by various exclusive financial factors, rural financial service cannot effectively meet the demands. By analyzing current situation of state's rural exclusive finance, this essay provides several proposal on rural inclusive finance construction.
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