蚌埠市农村金融机构支持普惠金融发展调研报告

发布时间：2018-05-14 00:42

本文选题：普惠金融 + 农村金融机构　；参考：《安徽财经大学》2017年硕士论文

【摘要】：普惠金融是指以可负担的成本为有金融服务需求的社会各阶层群体提供适当有效的金融服务,是金融弱势群体享受金融服务的重要组成部分。近年来,普惠金融越来越受到国际社会的关注,联合国和G-20国家领导人对普惠金融的发展给予了大力支持,我国也开始重视普惠金融的功能,发展普惠金融有助于中国缩短贫富差距、全面建设小康社会。制约我国农村地区普惠金融发展的因素:农村金融机构网点分布少、金融服务需求不足、普惠金融知识匮乏以及农村信用档案不完善等。这就需要通过完善相关金融基础设施、加强农民金融知识教育、农村经济增长等措施促进我国农村普惠金融的发展。目前蚌埠市普惠金融发展处于初级阶段,研究蚌埠市普惠金融发展情况有利于促进蚌埠市农村经济发展、提高农村居民生活质量、缓解农村小微企业融资难等问题。本文以蚌埠市农村普惠金融发展状况为调研目标,采取问卷调查和实地调研相结合的方法,分析蚌埠市农村金融机构是否支持普惠金融发展。首先,根据调查问卷对调研地区唐集镇与龙亢农场镇普惠金融发展的基本情况、存在的问题以及产生这些问题的原因进行了阐述。其次,分析农村金融机构在普惠金融发展过程中的作用与反馈机制以及农村金融机构改革与普惠金融发展协调共进的可能;最后,通过研究实地调研过程中感受到不同经济发展条件下的农村地区普惠金融推行效率差异化现象,提出完善蚌埠市农村金融机构体系、加快普惠金融发展的具体建议。
[Abstract]:Inclusive finance refers to providing appropriate and effective financial services to all social groups with financial service demand at affordable cost. It is an important component of financial services for the financial disadvantaged groups. In recent years, inclusive finance has attracted more and more attention from the international community. The leaders of the United Nations and G-20 countries have given great support to the development of inclusive finance, and our country has also begun to attach importance to the function of inclusive finance. The development of inclusive finance will help China shorten the gap between the rich and the poor and build a well-off society in an all-round way. The factors that restrict the development of inclusive finance in rural areas of China include: the distribution of rural financial institutions is small, the demand for financial services is insufficient, the financial knowledge of inclusive finance is deficient, and the rural credit files are not perfect. Therefore, it is necessary to promote the development of rural inclusive finance in China by perfecting the related financial infrastructure, strengthening farmers' financial knowledge education and rural economic growth. At present, the development of inclusive finance in Bengbu is in the primary stage. Studying the development of inclusive finance in Bengbu is conducive to promoting the development of rural economy, improving the quality of life of rural residents and easing the financing difficulties of small and micro enterprises in rural areas. Taking the development of rural inclusive finance in Bengbu as the research goal, this paper analyzes whether the rural financial institutions in Bengbu support the development of inclusive finance by means of questionnaire survey and field investigation. Firstly, according to the questionnaire, the paper expounds the basic situation, existing problems and the causes of the financial development in Tangji Town and Longkang Farm Town. Secondly, it analyzes the role and feedback mechanism of rural financial institutions in the process of inclusive financial development and the possibility of coordinated development of rural financial institutions and inclusive financial development. In the course of field investigation, we can find out the phenomenon of efficiency differentiation of inclusive finance in rural areas under different conditions of economic development, and put forward some concrete suggestions on how to perfect the rural financial institution system in Bengbu and speed up the development of inclusive finance.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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