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.pdfVIP

智慧农业导刊

农业经济JournalofSmartAgriculture20246期

DOI10.20028/j.zhnydk.2024.06.024

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

黄玉丽

，

广西工商职业技术学院南宁530000）

摘要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。

关键词乡村振兴；普惠金融；农民；融资难；路径

中图分类号F32文献标志码A文章编号2096-9902渊2024冤06-0102-04

Abstract:Thefinancingdifficultyofsmallandmedium-sizedenterprisesandself-employedenterprisesinruralareasisone

ofthecurrentdifficultiesinthedevelopmentofruraleconomy,whichcannotformlarge-scaleproduction,whichmakesitdifficult

tosurviveintheincreasinglycompetitivemarketenvironment.Inviewofthis,therelevantstatedepartmentshaveissuedsupport

policies,implementedinclusivefinance,continuouslystrengthenedthelayoutofruralfinancialinstitutions,solvedtheproblemof

farmersfinancingdifficulties,andpromotedinclusivefinancetobetterserveruralrevitalization.Basedonthis,thispapertakes

Guangxiasanexampletoanalyzethecurrentsituationofthedevelopmentofinclusivefinanceinruralareas.Itisfoundthatthe

mainreasonsforthefinancingdifficultiesoffarmersinGuangxiarepoorcreditenvironment,imperfectfinancialsystem,

insufficientcapitalinvestmentandlimitedcapacityoffinancialinstitutions.BasedonthecasesofGuangxiAgriculturalBankand

ruralcreditcooperatives,thispaperputsforwardsomesuggestionsonhowtosolvethefinancingdifficultyoffarmers.

Keywords:ruralrevitalization;inclusivefinance;farmers;financingdifficulties;path