乡村振兴战略背景下农村普惠金融需求调查研究——基于铜川市农户普惠金融满意度的调研数据  

Investigation and Research on the Demand for Rural Inclusive Finance Under the Background of Rural Revitalization Strategy——Based on the survey data of farmers’ satisfaction with inclusive finance in Tongchuan City

作　　者：课题组 马延明[2] Research Group

机构地区：[1]不详 [2]中国人民银行铜川市中心支行

出　　处：《西部金融》2022年第5期9-14,共6页West China Finance

摘　　要：本文以铜川农户主体为研究对象,设计针对农户金融满意度的调查问卷,在全面了解铜川市普惠金融发展的基础上,分析影响农村主体普惠金融满意度的因素。实证结果发现:农村基础设施建设、农户主体的金融意识及接受程度、金融机构产品创新、传统金融机构的线下贷款服务是影响农户主体普惠金融满意度的主要因素。基于此,提出加强金融基础设施建设、优化普惠金融发展生态、增强普惠金融服务能力、防范普惠领域相关风险等政策建议。Inclusive finance is a new direction of financial development under the new situation, and it is also an important force to promote rural economic and social development.This paper takes Tongchuan peasant households as the research object, designs a questionnaire for peasant households’ financial satisfaction, and analyzes the factors that affect the satisfaction of rural subjects with inclusive finance on the basis of a comprehensive understanding of the development of inclusive finance in Tongchuan City, and summarizes Tongchuan’s financial benefits. In the end, policy recommendations for the development of inclusive finance based on the financial needs of the main farmers are given. The empirical results show that: the construction of rural infrastructure, the financial awareness and acceptance of farmers, the product innovation of financial institutions, and the offline loan services of traditional financial institutions are the main factors that affect the satisfaction of farmers with inclusive finance. The development of Tongtong’s financial benefits has achieved certain results, but there are still shortcomings such as backward infrastructure, information sharing mechanisms to be improved, lack of digital financial awareness among farmers, insufficient innovation in digital financial service products, and regional financial environment needs to be improved. Based on this, this paper puts forward relevant policy recommendations such as strengthening the construction of financial infrastructure, optimizing the development ecology of inclusive finance, enhancing the service capacity of inclusive finance, and preventing related risks in the field of inclusive finance,so as to meet the needs of rural inclusive finance.

关 键 词：乡村振兴 普惠金融 农村金融 

分 类 号：F830.31[经济管理—金融学]