[1]曹凤鸣,周莹莹.普惠金融体系下农村金融服务创新的研究[J].金融教育研究,2017,(03):23-27.
 CAO Fengming,ZHOU Yingying.Research on the Innovation of Rural Financial Service under the Inclusive Financial System[J].,2017,(03):23-27.
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普惠金融体系下农村金融服务创新的研究()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2017年03期
页码:
23-27
栏目:
出版日期:
2017-05-01

文章信息/Info

Title:
Research on the Innovation of Rural Financial Service under the Inclusive Financial System
作者:
曹凤鸣 周莹莹
江西师范大学 财政金融学院,江西 南昌 330022
Author(s):
CAO Fengming ZHOU Yingying
School of Finance,Jiangxi Normal University,Nanchang,Jiangxi 330022,China
关键词:
普惠金融 农村金融 电子银行 小额信贷
Keywords:
inclusive finance rural finance electronic bank micro-finance
分类号:
F830.341
文献标志码:
A
摘要:
随着普惠金融理念的推进,小额信贷得到迅速发展。小额信贷的贷款主体是小微企业和贫困农民,贷款基本直接与实际民生相关,并非奢侈性消费,所以尽管额度小,但其所创造价值的边际收益高。文章基于我国农村金融服务的基本现状,介绍了国际上农村金融服务创新的经验,分析我国当前传统农村金融服务的局限性,提出依托电子银行为农村金融注入新动力; 通过“云数据”完善农村信用评级系统; 推进互联网金融发展,提高农村金融覆盖率,降低交易成本; 健全农村金融风险分担机制; 加快农村信贷产品创新步伐等建议。
Abstract:
With the advance of the concept of inclusive finance,micro-finance has been developing rapidly.The micro-finance’s loan main body is small and micro businesses owners and poor farmers; the loans are directly related to the actual people’s livelihood,not to luxury consumption.Although its amount is small,they have created high marginal returns.Based on the present situation of rural financial services in China,this paper introduces the international experience of rural financial service innovation and analysis of China’s current limitations of traditional financial services in rural areas.Then this paper puts forward the following suggestions:relying on the electronic bank,the new momentum of rural finance should be injected; through the "cloud data" perfect the rural credit rating system; promote the development of Internet financial,improve rural financial coverage rate,and reduce transaction costs; improve the rural financial risk sharing mechanism; and accelerate the pace of rural credit product innovation,and so on.

参考文献/References:

[1]李明贤,李学文.孟加拉国小额信贷发展的宏观经济基础及中国小额信贷的发展[J].农业经济问题,2008(9):100-106.
[2]童鹏.美国农村金融服务体系发展状况及经验借鉴[J].当代农村财经,2010(11):47-48.
[3]何广文.中国农村金融转型与金融机构多元化[J].中国农村观察,2004(2):12-20.
[4]廖芳.农村中小金融机构发展电子银行的可行性分析[J].时代金融旬刊,2013(26).
[5]刘晓波.农村金融风险分担与补偿机制设置[J].金融经济学研究,2008(3):79-85.

相似文献/References:

[1]张明哲.新时期普惠金融发展与创新分析[J].金融教育研究,2014,(01):3.
 ZHANG Mingzhe.A Study on the Development and Innovation of Inclusive Financial System[J].,2014,(03):3.
[2]林秋萍,谢元态.普惠金融视角下农村金融发展与改革研究[J].金融教育研究,2014,(06):26.
 LINqiuping,XIEYuantai.Research on the Development and Reform of Rural Finance Based on Inclusive Financial Perspective[J].,2014,(03):26.

备注/Memo

备注/Memo:
收稿日期:2017-03-20基金项目:江西师范大学团队高原计划项目,项目成员有周莹莹、周毅、周艳梅、周水秀、朱吉、朱明等同学作者简介:曹凤鸣(1966-),女,内蒙古宁城人,副教授,研究方向为国际金融与国际会计; 周莹莹(1997-),女,江西九江人,本科在读学生。
更新日期/Last Update: 1900-01-01