金融排斥评价指标体系与农村金融普惠机制的建构——基于云南省农村信用社联合社实践的分析  

Establishing the Financial Exclusion Evaluation System and the Rural Inclusive Financial System:An Empirical Analysis of the Yunnan Rural Credit Union

作　　者：何晓夏[1] 刘妍杉 

机构地区：[1]云南财经大学金融学院 [2]云南省农村信用社联合社

出　　处：《经济社会体制比较》2014年第3期70-82,共13页Comparative Economic & Social Systems

摘　　要：文章以独创的思路和视角,在经典的金融排斥六维度理论基础上,提出了金融排斥评价指标体系的新构架,将金融市场微观主体纳入了评价体系。以云南省农村信用社联合社的实践作为案例,文章对个人金融客户、信贷客户和银行管理人员开展了样本总数达到10400个的大规模问卷调查。通过实证研究,文章客观分析了目前云南省突出的金融排斥态势,论述了构建农村金融普惠机制是进行金融排斥治理的有效路径。文章认为,政府应运用行政力量促进金融资源分配均衡,完善金融普惠外部环境建设;按照多元化和规范化的原则,加强市场主体的培育,建立多层次、多形式、功能完善、高效安全的现代金融服务供给体系;按照"差异设计、逐层发展"的原则,推进农村金融产品创新。From an original point of view and based on the Theory of Six Dimensions, this paper has a new framework for the evaluation index system of financial exclusion, which incorporates the financial market micro- cosmic body into the evaluation system. Taking the Yunnan Rural Credit Union as an example, the paper con- ducts a questionnaire with 10,400 sample survey questions targeting at personal finance customers, credit cus- tomers and bank managers. The empirical study analyzes the current salient situation of financial exclusion in Yunnan Province. It argues that developing an inclusive financial system is the key to managing the financial exclusion. This paper offers relative policy proposals.

关 键 词：金融排斥 评价指标体系 农村金融 普惠机制 

分 类 号：F83[经济管理—金融学]