大兴安岭南麓集中连片特困区农村居民金融能力追踪调查报告

Financial Ability Tracking Investigation Report of Rural Residents in the Centralized and Contiguous Extreme Poverty-stricken Areas at the Southern Foot of Greater Khingan Mountains

为了贯彻落实《关于金融服务乡村振兴的指导意见》,进一步扩大“金惠工程”的普惠教育成效,2020年长春金融高等专科学校在2016、2017年基线调查的基础上,对大兴安岭南麓集中连片特困区农村居民的金融能力进行了追踪调查。此次追踪调查基于“回访、追踪”的原则,主要在实施“金惠工程”的县(市)开展调查工作,通过追踪调查发现,“金惠工程”在项目区的持续推进已取得可喜的成效。主要有以下五方面发现:一是“金惠工程”项目使农村居民掌握了更多的金融知识,提高了金融能力;二是片区农村居民收入水平显著提高,生活条件有很大改善;三是片区金融环境改善,金融服务可得性得到提高,片区农村居民融资成本下降、便利性提高、呈现出融资频次下降、融资额度上升的特征;四是政府补贴助推片区数字普惠金融发展;五是农村居民对金融教育的需求呈现多元化特征,期待金融教育途径多样化、金融教育保障机制化。提升农村居民金融能力对于发展普惠金融,推动包容性增长,推进乡村振兴战略具有重要意义。

In order to implement The Guiding Opinions on Financial Services for Rural Revitalization and further expand the inclusive education effect of the"Rural Financial Education Program",in 2020,based on the baseline survey in 2016 and 2017,Changchun Finance College conducted a tracking investigation on the financial ability of rural residents in the concentrated and contiguous extreme poverty-stricken areas at the south foot of Greater Khingan Mountains.Based on the principle of"Rural Financial Education Pro-gram",this tracking investigation is mainly carried out in the counties(cities)implementing the"Rural Fi-nancial Education Program".Through the tracking investigation,it is found that the continuous promotion of the"Rural Financial Education Program"in the project area has achieved gratifying results.The follow-ing five aspects are found in general:first,the"Rural Financial Education Program"enables rural residents to master more financial knowledge and improve their financial ability;second,the income level of rural residents in the area has been significantly improved,and their living conditions have been greatly im-proved;third,the financial environment of the area has improved the availability of financial services.The financing cost of rural residents in the area has decreased and the convenience has been improved,show-ing the characteristics of the decreased financing frequency and the increase of the financing amount;fourth,government subsidies boost the development of digital inclusive finance in the area;fifth,rural resi-dents show diversified needs for financial education,looking forward to diversified financial education channels and institutionalized financial education guarantee mechanism.Improving the financial capacity of rural residents is of great significance for developing inclusive finance,promoting inclusive growth and promoting the rural revitalization strategy.