普惠金融视角下贫困地区农村支付环境建设研究——以国家级贫困县卢氏县为例

Study on Rural Payment Environment Construction in Poverty Area on the Prospective of Inclusive Finance:By Taking Lushi County as an Example

我国普惠金融的发展是在党的十八届三中全会上被明确提出,基于我国城乡发展存在较大差异性的现实,加快农村地区金融服务发展,是当前我国普惠金融发展的重点,而现代化支付服务体系的建设对发展农村普惠金融体系有着重要的基础作用。结合现阶段农村支付环境建设在我国贫困地区发展所面临的困境,并以河南省卢氏县开展农村支付环境建设为案例,在目前贫困地区农村支付环境现状的基础上,分析影响其支付体系建设的主要原因,并提出针对当前在发展普惠金融的背景下,深入开展农村支付环境建设的相关建议。

The development of inclusive finance’s clearly statement was in Third Plenary Session of theparty's18.Based on the reality that there is a big difference of urban and rural development in China,the working emphasis for current inclusive finance development was accelerating the financial servicesdevelopment in rural area.And the modern payment service system construction has the important basisfunction on rural inclusive finance development.Combined with the rural payment environment at thepresent stage of development difficulties faced in poor areas in China,this paper took the rural paymentenvironment construction in Lushi County as a case,analyzed the main reason affecting the paymentsystem construction with the basis of poor areas rural payment environmental status.At last for thecurrent background of inclusive finance development,the paper gave some suggestions on deeplydeveloping the rural payment environment construction.