普惠制金融对海南“三农”金融供需的影响  

Influence of Inclusive Finance on the Financial Supply and Demand of“Agriculture,Rural Areas and Farmers”in Hainan

作　　者：谭异初 赵新成 TAN Yichu;ZHAO Xincheng(College of International Trade and Foreign Languages,Haikou University of Economics,Haikou 571127,China;College of Economics and Management,Guangzhou City Construction College,Guangzhou 510900,China)

机构地区：[1]海口经济学院外贸外语学院,海口571127 [2]广州城建职业学院经济与管理学院,广州510900

出　　处：《海南热带海洋学院学报》2021年第1期68-73,共6页Journal of Hainan Tropical Ocean University

基　　金：广东省哲学社会科学规划项目(GD18XYJ20);海口经济学院科研项目〔HJKY(JD)19-10〕。

摘　　要：海南农村普惠金融服务覆盖率不断提升、金融服务可得性改善、金融服务满意度提高,但仍然存在农村普惠金融供需矛盾突出、农村普惠金融发展不均衡且同质化、农村数字普惠金融程度低等问题。提高农村普惠金融有效供给、创新农村普惠金融产品和服务、发展农村数字普惠金融、进一步优化农村普惠金融生态环境可促进海南农村普惠金融功能的发展。The coverage rate of rural inclusive financial services in Hainan has continuously improved.Both of the availability and the satisfaction degree of financial services have improved.However,there are still some problems,such as prominent contradiction between supply and demand of rural inclusive financial services,uneven and homogeneous development of rural inclusive financial services,and low degree of rural digital inclusive financial services.Improving the effective supply of rural inclusive finance,innovating rural inclusive finance products and services,developing rural digital inclusive finance,and further optimizing the ecological environment of rural inclusive finance can promote the development of rural inclusive finance function in Hainan.

关 键 词：普惠制金融 海南 三农 金融产品和服务 

分 类 号：F832[经济管理—金融学]