新疆财经

新疆财经 ›› 2016,Issue (3): 72-80.doi: 10.16716/j.cnki.65-1030/f.2016.03.009

• 调查研究 • 上一篇    

新疆农村普惠金融服务创新的思考 ——基于农户金融需求的视角

杨红丽1, 甘海燕2   

  1. 1.新疆财经大学 金融学院,新疆 乌鲁木齐 830012;
    2.新疆财经大学 期刊编辑部,新疆 乌鲁木齐 830012
  • 收稿日期:2016-04-25 出版日期:2016-06-25 发布日期:2020-12-01
  • 作者简介:杨红丽(1973－),女,讲师,博士,研究方向:区域金融;甘海燕(1977-),女,编辑,研究方向:货币理论与实践。
  • 基金资助:
    国家自然科学基金项目“西部少数民族地区金融排斥与普惠金融发展的空间结构效应”(71563050)

On Innovation of Inclusive Financial Services in Rural Areas in Xinjiang ——Based on the Perspective of Financial Demand of Farmers

Yang Hongli, Gan Haiyan   

  1. Xinjiang University of Finance and Economics,Urumqi 830012,China
  • Received:2016-04-25 Online:2016-06-25 Published:2020-12-01

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摘要： 到2020年中国要全面实现小康社会总目标关键在农村,而新疆作为欠发达少数民族地区,农村的全面快速发展离不开普惠金融的着力。本文通过问卷调查的方式,基于新疆农户金融需求的视角,从新疆农户存款特征、农户信贷需求特征和农户保险需求特征等方面对新疆农村普惠金融服务的现状进行了分析,结果显示:农村普惠金融体系还不完善,农户金融需求存在双向排斥,生产过程中的风险补偿机制不健全,现代化金融工具和手段普及率不高。为此,建议应通过普惠金融的体制机制创新,扩大农村普惠金融的覆盖面,促进新疆农户金融素质的提高及收入的快速增长,最终实现新疆农村经济社会的和谐稳定和跨越式发展。

关键词: 新疆农村, 普惠金融, 金融需求

Abstract: China is to achieve a comprehensive well-off society in 2020, and the key to the overall goal is in rural areas. And as a less developed regions in Xinjiang, the rapid development of rural areas can not be separated from the role of inclusive finance. Based on the perspective of rural financial demands, through questionnaire investigation, current situation of the Xinjiang rural inclusive financial services from the deposit characteristics of farmers in Xinjiang, the characteristics of farmers credit needs and farmers insurance demand characteristics are analyzed in this paper. The results show that: the rural inclusive financial system is not perfect, there is a two-way exclusion of financial needs of farmers, the risk compensation mechanism in the production process is not perfect, modern financial instruments and means of penetration is not high.Therefore,it is suggested it is of necessity to innovate the inclusive financial system and mechanism to expand coverage of financial inclusion, promote the rapid growth of improving the farmers’financial literacy and income, and ultimately achieve rural economic and social harmony and stability and leap forward development in Xinjiang

Key words: Rural Areas in Xinjiang, Inclusive Financial, Financial Demands

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