乡村振兴视域下广西地区普惠金融破解农民“融资难”实践路径研究

乡村地区中小微企业和个体户经营“融资难”是当前乡村经济发展困境之一,无法形成规模化生产,导致在日益竞争的市场环境中难以生存。鉴于此,国家相关部门陆续出台扶持政策,推行“普惠金融”,持续加强乡村金融机构布局,破解农民“融资难”问题,推动普惠金融更好地服务于乡村振兴。基于此,该文以广西地区为例,分析农村普惠金融发展现状,发现影响广西地区农民“融资难”的主要原因为信贷环境差、金融体系不完善、资金投入不足以及金融机构能力有限等,结合广西地区农业银行、农村信用社等案例,提出破解农民“融资难”的路径建议。

The"financing difficulty"of small and medium-sized enterprises and self-employed enterprises in rural areas is one of the current difficulties in the development of rural economy,which can not form large-scale production,which makes it difficult to survive in the increasingly competitive market environment.In view of this,the relevant state departments have issued support policies,implemented"inclusive finance",continuously strengthened the layout of rural financial institutions,solved the problem of farmers'"financing difficulties",and promoted inclusive finance to better serve rural revitalization.Based on this,this paper takes Guangxi as an example to analyze the current situation of the development of inclusive finance in rural areas.It is found that the main reasons for the"financing difficulties"of farmers in Guangxi are poor credit environment,imperfect financial system,insufficient capital investment and limited capacity of financial institutions.Based on the cases of Guangxi Agricultural Bank and rural credit cooperatives,this paper puts forward some suggestions on how to solve the"financing difficulty"of farmers.