可行能力视角下的农村金融发展

Rural financial development from the perspective of capability

为了明晰农村金融发展与农民福利之间的关系,运用可行能力分析框架,从农村金融发展的角度研究农民的可行能力问题,并提出建设普惠型农村金融体系和提高农民可行能力的具体措施。结果表明,通过作用于农民的经济条件、社会机会、透明性保证和防护性保障四项工具性自由,农村金融发展可以提高农民的可行能力。指出要从金融组织体系、法律制度体系和政策支持体系等方面着手推进我国普惠型农村金融体系建设,促进农村金融发展,提高农民的可行能力。

In order to figure out the relationship between rural financial development and farmers’ welfare,‘the ca-pability’ framework was applied to analyze farmers’ capabilities related issues from the rural financial development per-spective, and the detailed measures were proposed to establish inclusive rural financial system in order to improve farmers’ capabilities. By reflecting on the four instrumental freedom including farmers’ financial conditions, the social opportuni-ties, the transparent assurance and the protective security, rural financial development can enhance the farmers’ capabili-ties. Due to serious financial repression in rural areas, insufficient rural financial coverage, and difficulties in getting loans, an inclusive rural financial system is suggested to be developed through improving financial organization system, le-gal system and supporting system of policy to promote rural financial development and enhance farmers’ capabilities.