我国农村普惠金融的区域特征分析

The Analysis of Regional Feature of Chinese Rural Inclusive Finance

区域经济非均衡发展、政策因素以及社会环境不同导致区域间农村普惠金融的发展存在差异,具体表现在需求主体和类别、金融机构的服务可获得性和保险密度与保险深度、供求满足程度及模式等方面。随着我国经济发展战略由非均衡发展向均衡发展转变,农村普惠金融发展水平的差距将不断缩小,但历史文化和经济地理条件的不同导致区域之间发展农村普惠金融的运作模式和实现路径仍将存在差异。

Because of unbalanced development of regional economy, policy factors, and different social environment, the development of rural inclusive finance has regional difference, embodied in demand subject and categories, service availability of financial institutions, insurance density and insurance depth, the degree and model that the supply meet to demand, etc.Along with our country economic development strategy by the unbalanced development to balanced development, the degree gap of rural inclusive finance continue to narrow. But the difference of history -culture and economic geography conditions lead to the operation mode and realization approach of rural inclusive finance will still exist differences.