乡村振兴背景下金融排斥的成因与破解策略 -金融学专业

摘要

乡村振兴战略的实施为缩小城乡差距、促进农村经济发展提供了重要契机，但金融排斥问题却成为制约农村地区资源优化配置与可持续发展的关键障碍。本研究以乡村振兴背景下的金融排斥现象为切入点，旨在探讨其成因并提出针对性破解策略。信息不对称、金融服务供给不足以及农民金融素养偏低是导致金融排斥的主要原因。在此基础上，本文创新性地提出了构建多层次普惠金融体系、强化数字金融赋能和提升农村居民金融能力的综合解决方案。研究结果表明，通过优化金融资源配置、加强政策支持和技术应用，可以有效缓解金融排斥问题，从而为乡村振兴提供坚实的金融支撑。本研究不仅深化了对金融排斥机制的理解，还为相关政策制定和实践探索提供了理论依据与操作路径，具有重要的学术价值和现实意义。

关键词：乡村振兴；金融排斥；普惠金融；数字金融赋能；农村居民金融能力

Causes and Solutions of Financial Exclusion in the Context of Rural Revitalization

英文人名

Directive teacher:×××

Abstract

The implementation of rural revitalization strategy provides an important opportunity to narrow the gap between urban and rural areas and promote the development of rural economy, but financial exclusion has become a key obstacle restricting the optimal allocation of rural resources and sustainable development. This study takes the phenomenon of financial exclusion under the background of rural revitalization as the entry point to explore its causes and put forward targeted countermeasures. Information asymmetry, insufficient supply of financial services and low financial literacy of farmers are the main reasons leading to financial exclusion. On this basis, this paper innovatively proposes a comprehensive solution to build a multi-level inclusive financial system, strengthen digital financial empowerment and enhance rural residents' financial ability. The results show that by optimizing the allocation of financial resources, strengthening policy support and technology application, the problem of financial exclusion can be effectively alleviated, so as to provide solid financial support for rural revitalization. This study not only deepens the understanding of financial exclusion mechanism, but also provides a theoretical basis and operational path for relevant policy formulation and practical exploration, which has important academic value and practical significance.

Keywords: Rural Revitalization；Financial Exclusion；Inclusive Finance；Digital Finance Empowerment；Rural Residents' Financial Capability

引言 1

一、金融排斥在乡村振兴中的表现与影响 1

(一)乡村金融排斥的主要表现形式 1

(二)金融排斥对乡村振兴的制约作用 2

(三)乡村金融需求与供给的矛盾分析 2

二、乡村振兴背景下金融排斥的成因分析 3

(一)制度性因素对金融排斥的影响 3

(二)基础设施不足导致的金融可及性问题 3

(三)乡村居民金融素养偏低的现状与挑战 4

三、国内外破解金融排斥的经验借鉴 4

(一)发达国家农村金融发展的成功经验 4