农村普惠金融发展研究--以吉林省辽源市东丰县为例

摘要

The current situation of rural Inclusive Finance and its development level is the foundation of inclusive rural ifnancial system. According to Liaoyuan City Dongfeng County 2006-2013 Inclusive Finance related data, analysis of the current situation of the Pratt & Whitney Liaoyuan Dongfeng County ifnancial development, variation coefifcient method is used to determine the weights based on the construction of inclusive financial index, Dongfeng County measurement in recent years inclusive financial development level, a comprehensive evaluation on the development status of Dongfeng inclusive ifnance. The study found that: from the Pratt & Whitney 2006 -2013 Dongfeng County ifnancial development as a whole is good, but in 2008 during the adjustment and large lfuctuation. The development of inclusive ifnancial sectors mainly ifnancial network geographical penetration population service and practitioners of the expansion as the leading strength. At the same time, learn from foreign inclusive ifnancial development experience, put forward the appropriate expansion of inclusive ifnancial service coverage, increase ifnancial knowledge dissemination in rural areas, strengthen financial institutions staff team construction to improve suggestions of inclusive financial development level, to provide realistic guiding signiifcance for China's rural Inclusive Finance development.%研究农村普惠金融现状及其发展水平是构建普惠性农村金融体系的基础。本文依据辽源市东丰县2006-2013年普惠金融相关数据，分析辽源市东丰县普惠金融发展现状，运用变异系数法确定权重基础上构建普惠金融指数，测量东丰县近几年普惠金融发展水平，对东丰普惠金融的发展状况进行综合评价。研究发现：从2006年-2013年东丰县普惠金融发展整体比较良好，但是在2008年期间出现大的调整与波动。普惠金融的发展主要以金融机构网点的地理渗透性和从业人员的人口服务性的扩张为主导力量。同时借鉴国外普惠金融发展实践经验，提出适当扩大普惠金融服务覆盖范围、加大农村地区金融知识传播、加强金融机构员工队伍建设等利于提高我国普惠金融发展水平的对策建议，为我国农村普惠金融发展提供现实的指导意义。