吉林省农村金融改革问题研究

Research on the Problem of Rural Financial Reform in Jilin Province

党的十八届三中全会明确提出发展普惠金融,促进金融公平,提高弱势群体收入,构建现代金融体系,优化金融服务和产品。吉林省是我国农业大省,被国家设为省级农村金融综合改革试验田,肩负以金融手段破解"三农"问题的艰巨任务。吉林省通过实施差异信贷,搭建融资扶持机制等措施强化了农村金融资源投入和分配,提升了农业生产效益和农民收入水平,但农村地区的金融服务可获得性和数字金融普惠教育方面仍存在很大不足,因此,如何通过金融改革解决农村金融发展中的问题是当下金融改革的主要任务。

The Third Plenary Session of the 18th Central Committee of the Communist Carty of China(CPC)definitely pointed out the concept of developing inclusive finance to improve financial fair, improving the income of vulnerable groups, constructing a modern financial system, and optimizing financial services and products. At the same time, Jilin province, the only provincial level experimental field of comprehensive financial reform in rural areas, has been given the task of exploring the weak links of breaking the agriculture, rural areas and farmers problems. Through the implementation of differential credit, building financing support mechanism and other measures, Jilin province strengthens the investment and distribution of rural financial resources, and improves the agricultural production efficiency and the level of farmers' income, but there are a lot of deficiencies in the financial service availability in rural areas and the digital finance inclusive education. So how to solve the problem of rural financial development through financial reform is the main task of the current financial reform.