普惠金融视角下中国现代农村金融制度建设分析

On the Building of Financial System in China’s Rural Areas from the Perspective of Inclusive Financial System

普惠金融理念注重弱势群体享受金融服务的权利,近年来逐渐被社会各界所接受。普惠型金融与现代农村金融制度在本质上是相通的。我国正处于经济社会转型阶段,农村金融市场具有发展中国家普遍存在的系统性缺陷,基于法律与契约框架的非人格化交易在农村尚未确立,因而建设现代农村金融制度具有长期性。作为现代农村金融制度建设的重要内容,村镇银行等新型农村金融机构具有显著的普惠型金融特征和外部性,各级政府应当给予补贴和相关政策支持。

The idea of building Inclusive Financial system,which aims to protect the weak group＇s right to enjoy financial service,is accepted by more and more people.Actually,the modern financial system in China＇s rural areas today has the same essence as that of Inclusive Financial System.Now,since China is in a social transformation period,the financial market in its rural areas has the common systematical defects which exist in developing countries,and the impersonal transaction based on law and contract has not yet occurred in Chinese rural areas,the building of such inclusive financial system should be a long-termed project.Banks in village and town are the important component of modern financial system in rural areas,and they have very obvious features of inclusive financial system,so governments of different levels should give them necessary support.