宁夏农村普惠金融发展研究——基于IFI指标的实证分析

Study on Ningxia Rural Inclusive Finance Development A Case Study based on IFI Index

近年来,宁夏陆续出台了多项支持农村普惠金融发展的政策措施,基于IFI指标评价体系的评价显示宁夏农村普惠金融发展具有"较高金融包容性"。然而,涉农信贷有效需求不足、金融机构服务"三农"能力有待提升、缺乏涉农贷款风险分散、担保和补偿机制以及农村普惠金融支持体系不完善等因素还制约着宁夏农村普惠金融发展。建议从建立多元化的农村金融体系、明确农村土地的抵押权权益、增强金融机构服务农村的能力、创新财政支持农村金融服务方式等方面提升宁夏农村普惠金融水平。

Policies and measures have been introduced in supporting rural inclusive finance development in Ningxia over the past years, and Ningxia rural inclusive finance evaluation based on IFI Index system showed relatively high financial inclusiveness. However, Ningxia rural inclusive finance are restricted by many factors, including insufficient effective agricultural-related credit loans demand, inadequate ability of financial institutes serving agriculture, farmer and rural area,agriculture-related loan risk diversification, guarantee and compensation mechanism shortage, and imperfect rural inclusive finance supporting system. It was advised in this paper to adopt measures to improve rural inclusive finance such as establishing diversified rural finance system, clarify mortgage rights and interests of rural land, enhance financial institute service, and innovate rural financial support.