论乡村振兴战略视角下农民受金融排斥问题——基于湖北省云梦县的实地调研  

Research on the Problem of Farmers’ Financial Exclusion from the Perspective of Rural Revival Strategy——Based on Field Research in Yunmeng County, Hubei Province

作　　者：叶楠[1] 吕雪滢 冯心虞 Ye Nan;Lv Xueying;Feng Xinyu

机构地区：[1]湖北经济学院金融学院,湖北武汉430205 [2]湖北经济学院信息管理与统计学院,湖北武汉430205

出　　处：《决策与信息》2019年第9期106-114,共9页Decision & Information

基　　金：湖北省社科基金项目“构建湖北强可持续发展的绿色金融新动能”（编号：2017147）研究成果;中国国家留学基金委员会资助

摘　　要：乡村振兴是党的十九大提出的重要战略,解决农民生产、生活资金问题是实现该战略的关键。然而,通过对湖北省云梦县的实地调研发现,不少农民在获取农村金融支持方面存在障碍。造成湖北欠发达地区农民受金融排斥的主要原因在于农民缺乏金融意识、金融供给与农民需求之间的不匹配、政府普惠金融宣传不够简明等方面。要缓解上述问题,农民需要更新观念,提高金融意识;金融机构需要开发更适合农民的金融产品;政府部门要采取农民更易接受的方式来宣传金融知识。Rural revival is an important strategy put forward in the 19th National Congress of the Communist Party of China.Solving farmers'production and living fund problems is the key to achieving this strategy.However,through field research in Yunmeng County,Hubei Province,it is found that many farmers have obstacles in obtaining rural financial support.The main reasons for the financial exclusion of farmers in underdeveloped areas in Hubei are the lack of financial awareness among farmers,the mismatch between financial supply and farmers'needs,and the unclear inclusive financial propaganda of government.To alleviate the above-mentioned problems,farmers need to update their concepts and raise their financial awareness;financial institutions need to develop financial products that are more suitable for farmers;government departments need to adopt a more acceptable way to promote financial knowledge for farmers.

关 键 词：金融排斥 金融供给侧改革 农村金融 农村信贷 云梦县 乡村振兴 

分 类 号：F830.58[经济管理—金融学]