普惠金融体系下的村镇银行覆盖面研究  

Coverage of rural banks based on inclusive finance system

作　　者：刘江蒙 杨宁生[2] 

机构地区：[1]上海海洋大学经济管理学院,上海201306 [2]中国水产科学研究院,北京100141

出　　处：《广东农业科学》2014年第22期200-204,211,共6页Guangdong Agricultural Sciences

摘　　要：普惠金融体系框架下,为发展新农村金融体系建设,更好地为"三农",为贫困和低收入者提供金融服务,村镇银行应运而生。村镇银行自成立以来规模不断壮大、覆盖面越来越广,但村镇银行在数量密度覆盖、业务覆盖、目标客户覆盖上仍存在着一些问题。G-P-S模型是结合村镇银行的自身特色、经营环境,剖析金融服务保障者、金融服务提供者和金融服务实体,从服务长度、服务宽度、服务深度3个立体化角度来寻求合理化覆盖面,使之满足贫困人口金融需求。Based on the inclusive financial system, for the development of new rural financial system, and better for the ＂three rural＂ for the poor and low-income people to provide financial services, rural banks emerge as the times require.Since the establishment of rural banks, the scale and coverage unceasingly expand. However, some problems still exist in the coverage density, service coverage, and target customer coverage. G-P-S model combines rural banks own characteristics, operating environment, analyzes the financial services guarantee, financial service providers and financial services substantiality, use length, breadth, depth of three dimensional perspectives of the service to seek rationalize coverage, thus to meet the financial needs of the poor.

关 键 词：村镇银行 普惠金融 覆盖面 G-P-S模型 

分 类 号：F832.35[经济管理—金融学]