發(fā)布時(shí)間：2018-05-14 00:42

  本文選題：普惠金融 + 農(nóng)村金融機(jī)構(gòu)��； 參考：《安徽財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：普惠金融是指以可負(fù)擔(dān)的成本為有金融服務(wù)需求的社會(huì)各階層群體提供適當(dāng)有效的金融服務(wù),是金融弱勢(shì)群體享受金融服務(wù)的重要組成部分。近年來,普惠金融越來越受到國(guó)際社會(huì)的關(guān)注,聯(lián)合國(guó)和G-20國(guó)家領(lǐng)導(dǎo)人對(duì)普惠金融的發(fā)展給予了大力支持,我國(guó)也開始重視普惠金融的功能,發(fā)展普惠金融有助于中國(guó)縮短貧富差距、全面建設(shè)小康社會(huì)。制約我國(guó)農(nóng)村地區(qū)普惠金融發(fā)展的因素:農(nóng)村金融機(jī)構(gòu)網(wǎng)點(diǎn)分布少、金融服務(wù)需求不足、普惠金融知識(shí)匱乏以及農(nóng)村信用檔案不完善等。這就需要通過完善相關(guān)金融基礎(chǔ)設(shè)施、加強(qiáng)農(nóng)民金融知識(shí)教育、農(nóng)村經(jīng)濟(jì)增長(zhǎng)等措施促進(jìn)我國(guó)農(nóng)村普惠金融的發(fā)展。目前蚌埠市普惠金融發(fā)展處于初級(jí)階段,研究蚌埠市普惠金融發(fā)展情況有利于促進(jìn)蚌埠市農(nóng)村經(jīng)濟(jì)發(fā)展、提高農(nóng)村居民生活質(zhì)量、緩解農(nóng)村小微企業(yè)融資難等問題。本文以蚌埠市農(nóng)村普惠金融發(fā)展?fàn)顩r為調(diào)研目標(biāo),采取問卷調(diào)查和實(shí)地調(diào)研相結(jié)合的方法,分析蚌埠市農(nóng)村金融機(jī)構(gòu)是否支持普惠金融發(fā)展。首先,根據(jù)調(diào)查問卷對(duì)調(diào)研地區(qū)唐集鎮(zhèn)與龍亢農(nóng)場(chǎng)鎮(zhèn)普惠金融發(fā)展的基本情況、存在的問題以及產(chǎn)生這些問題的原因進(jìn)行了闡述。其次,分析農(nóng)村金融機(jī)構(gòu)在普惠金融發(fā)展過程中的作用與反饋機(jī)制以及農(nóng)村金融機(jī)構(gòu)改革與普惠金融發(fā)展協(xié)調(diào)共進(jìn)的可能;最后,通過研究實(shí)地調(diào)研過程中感受到不同經(jīng)濟(jì)發(fā)展條件下的農(nóng)村地區(qū)普惠金融推行效率差異化現(xiàn)象,提出完善蚌埠市農(nóng)村金融機(jī)構(gòu)體系、加快普惠金融發(fā)展的具體建議。
[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.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.35

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