基于农村视阈下的普惠金融扶贫的理论探讨与思考  

Theoretical Exploration and Thinking on Inclusive Financial Poverty Alleviation from the Perspective of Rural Areas

作　　者：强国令[1] 闫杰[2] 

机构地区：[1]新疆财经大学金融学院,新疆乌鲁木齐830012 [2]新疆财经大学公共经济与管理学院,新疆乌鲁木齐830012

出　　处：《技术经济与管理研究》2018年第1期118-121,共4页Journal of Technical Economics & Management

基　　金：国家自然科学基金地区项目(71663048;71763026);国家社科基金项目(16XJY012)

摘　　要：目前,有关普惠金融扶贫有效性的研究存在较大争议。从农村视角出发,文章首先分析了农村普惠金融发展的瓶颈,然后分别从理论、现实、农户和普惠金融等四个维度揭示了农村普惠金融扶贫的局限性:一是从理论上来看,农户与金融机构之间的信息不对称导致了逆向选择和道德风险问题;二是从现实来看,农户经营项目的低效益和高风险使得农村普惠金融的扶贫作用有限;三是从农户自身来看,农村普惠金融仅在具有创业意识、诚实守信的农户中才能发挥作用;四是从供给视角来看,农村普惠金融体系不健全,农村普惠金融发展不均衡。最后,文章就创新普惠金融扶贫机制提出相关的政策建议。There is a big controversy about the effectiveness of inclusive financial poverty alleviation. Firstly, this paper analyzes the bottleneck of rural inclusive finance development from the perspective of rural areas. Secondly, it reveals the limitations of rural in-clusive financial poverty alleviation from the theor^^ , reality and farmers. The main problem of rural inclusive finance is adverse selection and moral hazard caused by asymmetric infor^nation between far^ners and financial institutions and the financing difficulties of far^ners based on the analysis of loan cost and income from theoretical exploration. Rural inclusive finance in poverty alleviation has the limited role from the reality because far^ mers＇ project is low benefit and high risk. Thirdly, rural inclusive finance plays a role only in the far^mers with entrepreneurial consciousness and trustworthy. Fourthly, rural inclusive finance is imperfect and the development of rural inclusive finance is unbalance. Finally, it puts for^-ard some policy suggestions to innovate the poverty alleviation mechanism of inclusive finance.

关 键 词：普惠金融 扶贫 创新意识 农村经济 

分 类 号：F832.35[经济管理—金融学]