农村普惠金融发展困境及对策分析  

作　　者：康淑珊 李楠楠 

机构地区：[1]商丘工学院,河南商丘476000

出　　处：《智慧农业导刊》2023年第16期101-104,共4页JOURNAL OF SMART AGRICULTURE

基　　金：商丘工学院2022年度校级科研项目(2022KYXM11)。

摘　　要：目前,我国已经全面建成小康社会、脱贫攻坚取得全面胜利,建立符合国情的普惠金融制度尤为重要。然而,与此形成鲜明对比的是,我国普惠金融发展还面临着一系列的瓶颈和限制。主要表现在法制建设不完善、农村征信体系不完善等方面。鉴于此,该文首先概述普惠金融的内涵,其次分析当前我国农村普惠金融取得的成绩,之后提出当前商业可持续性视角下的农村普惠金融发展困境,最后探析基于商业可持续性视角的农村普惠金融发展的路径。Currently,China has fully built a moderately prosperous society and achieved comprehensive victory in poverty alleviation.It is particularly important to establish an inclusive financial system that is in line with the national conditions.However,in stark contrast,the development of inclusive finance in China still faces a series of bottlenecks and limitations.Mainly manifested in incomplete legal construction and imperfect rural credit reporting system.Thus,this paper first outlines the connotation of inclusive finance,then analyzes the achievements of rural inclusive finance in China,and then proposes the development difficulties of rural inclusive finance from the perspective of commercial sustainability.Finally,it explores the path of rural inclusive finance development based on the perspective of commercial sustainability.

关 键 词：农村 普惠金融 法制建设 农村征信体系 商业可持续性 

分 类 号：F327[经济管理—产业经济]