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由排斥到普惠的中国农村金融改革

发表时间:2015-01-15  浏览量:1642  下载量:688
全部作者: 周立,李萌
作者单位: 中国人民大学农业与农村发展学院
摘 要: 当前我国农村金融改革的重点是从排斥性转向包容性,构建普惠金融体系,这决定了深化农村金融改革的基本导向。目前,我国农村还存在明显的金融排斥现象,基础金融服务还未实现全覆盖。建设普惠金融体系的内涵是走出金融排斥,促进基础金融服务均等化,提高农村金融市场的开放程度。推进农村金融市场开放的政策层出不穷,但是关于开放仍然存在许多争论。为更好地建设普惠金融体系,应不断丰富农村金融市场的供给主体,同时促进监管政策改革,实施分类监管和差别监管,通过立法等方式保障农村金融市场的公平开放。
关 键 词: 农村金融学;金融排斥;金融普惠;金融政策
Title: From exclusion to inclusion: on rural financial reform in China
Author: ZHOU Li, LI Meng
Organization: School of Agricultural Economics and Rural Development, Renmin University of China
Abstract: The new rural financial reform is focusing on the transformation from financial exclusive to inclusive, so building an inclusive financial system determines the direction of the reform. At present, the financial exclusion is significant in rural of China, and basic financial services have not covered all rural areas. Building an inclusive financial system means to eliminate financial exclusion and promote the equalization of basic financial services and improve the openness of the rural financial market. There are a lot of policies about the openness of the rural financial market, but debates still exit. To establish the better financial inclusion system, it should be enriching the providers in the rural financial system and promoting the reform of the regulatory system. At the same time, it should implement the classification regulation and supervision regulation, ensure the fairness and openness of rural financial market through legislation.
Key words: agricultural finance; financial exclusion; financial inclusion; financial policy
发表期数: 2015年1月第1期
引用格式: 周立,李萌. 由排斥到普惠的中国农村金融改革[J]. 中国科技论文在线精品论文,2015,8(1):71-77.
 
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