摘要
农民获得金融服务的质量是衡量普惠金融政策实施效果的重要标准,是实现农民金融参与权的重要体现。论文通过分析七地田野调查发放的问卷,发现各地农民金融服务获得情况差异明显,仍旧存在制度运行不畅、主体能力缺失、市场结构失衡等问题。基于此,论文突出法制保障的优势,提出明确权力主体权责、提升农民金融知识水平、完善农村金融体系等制度建议。
The quality of farmers'access to financial services is an important criterion for measuring effectiveness of inclusive financial policies,and it is also significant way to reflect the realization of farmers'right to participate in financial activities.By analyzing the questionnaires issued by the field survey in seven areas,we find out that there exist obvious differences in farmers'access to financial services across regions,which still has problems such as poor system operation,lack of capabilities,and unbalanced market structures.The quality of farmers'access to financial services is an important criterion for measuring the effectiveness of inclusive financial policies and an important reflection of the realization of farmers'financial participation rights.After analyzing the questionnaires issued by the field surveys in the seven fields,we conclude that farmers'financial services availability in different regions vary a lot.There still are nstitutional obstacles in farmers’financial services,such as lack of subject capacity,and market structure imbalances.Given that condition,in this paper,we highlight the advantages of legal system protection,and propose system recommendations such as clarifying the rights and responsibilities of power subjects,improving farmers'financial capabilities,and improving the rural financial system.
出处
《农村金融研究》
2020年第2期24-35,共12页
Rural Finance Research
关键词
普惠金融
金融服务
现实困境
法制因应
Inclusive Finance
Financial Services
Realistic Dilemmas
Legal Counter-Measures
