吉林省农村金融改革问题研究.docVIP

吉林省农村金融改革问题研究 李牧航 长春金融高等专科学校金融学院 X 关注成功！ 加关注后您将方便地在 我的关注中得到本文献的被引频次变化的通知！ 新浪微博 腾讯微博 人人网 开心网 豆瓣网 网易微博 摘????要： 党的十八届三中全会明确提出发展普惠金融, 促进金融公平, 提高弱势群体收入, 构建现代金融体系, 优化金融服务和产品。吉林省是我国农业大省, 被国家设为省级农村金融综合改革试验田, 肩负以金融手段破解“三农”问题的艰巨任务。吉林省通过实施差异信贷, 搭建融资扶持机制等措施强化了农村金融资源投入和分配, 提升了农业生产效益和农民收入水平, 但农村地区的金融服务可获得性和数字金融普惠教育方面仍存在很大不足, 因此, 如何通过金融改革解决农村金融发展中的问题是当下金融改革的主要任务。 关键词： 农村金融改革; 金融服务; 风险防控; 作者简介：李牧航 (1989-) , 女, 吉林桦甸人, 长春金融高等专科学校金融学院助教, 经济学硕士, 研究方向:农村金融。 收稿日期：2017-10-20 基金：吉林省社会科学基金项目 (2017JD31) Research on the Problem of Rural Financial Reform in Jilin Province LI Mu-hang School of Finance, Changchun Finance College; Abstract： The Third Plenary Session of the 18th Central Committee of the Communist Carty of China (CPC) definitely pointed out the concept of developing inclusive finance to improve financial fair, improving the income of vulnerable groups, constructing a modern financial system, and optimizing financial services and products. At the same time, Jilin province, the only provincial level experimental field of comprehensive financial reform in rural areas, has been given the task of exploring the weak links of breaking the agriculture, rural areas and farmers problems. Through the implementation of differential credit, building financing support mechanism and other measures, Jilin province strengthens the investment and distribution of rural financial resources, and improves the agricultural production efficiency and the level of farmers income, but there are a lot of deficiencies in the financial service availability in rural areas and the digital finance inclusive education. So how to solve the problem of rural financial development through financial reform is the main task of the current financial reform. Keyword： rural financial reform; financial service; the risk prevention and control; Received： 2017-10-20 目前, 我国普惠金融的发展道路逐渐向主体多元化、覆盖全面化、技术创新化转变。其中, 我国居民银行账户数量、银行网点覆盖率等基础金融服务指标已处于世界中上游。虽然我国的普惠金融发展呈现出欣欣向荣的局面, 但仍面临着许多问题和挑战:普惠金融服务不均衡, 普惠金融体系不健全, 法律法规体系不完