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
Yang Hongli
,
Gan Haiyan
. On Innovation of Inclusive Financial Services in Rural Areas in Xinjiang ——Based on the Perspective of Financial Demand of Farmers[J]. Finance & Economics of Xinjiang, 2016
, 0(3)
: 72
-80
.
DOI: 10.16716/j.cnki.65-1030/f.2016.03.009
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