摘要
金融消费者作为金融市场的重要参与者,其金融健康对防范和化解金融行业系统性风险、促进社会公平发展具有重要意义。论文在界定金融健康的内涵、度量维度及与普惠金融之间关联关系的基础上,以农村金融消费者中具有典型意义的生产性农户为例,从供给主体和需求主体两个方面剖析了信贷业务中消费者金融健康存在的问题,主要包括存在明显的信贷配给现象、互联网金融风险隐患大、消费者对金融健康的重视程度不够、金融服务需求出现多样化等,并从监管制度、法律体系和农村金融生态环境等方面深入揭示了制约信贷业务中消费者金融健康的制度性困境。在此基础上,将金融健康放在农村金融总体改革的框架下,提出提升农户群体金融健康的对策建议。
As an important participant in the financial market,financial health of financial consumers is of great significance to prevent and defuse systemic risks in the financial industry and promote the social equity.In this paper,we defined the connotation of financial health,metric dimensions and Pratt and Whitney Financial,and analyzed the consumer financial health problems in the credit business from two aspects of supply and demand subject by taking a typical example of productive farmers with typical significance in rural financial consumers.The main problems include obvious phenomenon of credit rationing,big internet financial risk,not enough emphasis on the financial health of consumers and diverse financial service demand.Therefore,this paper further reveals the consumer financial health institutional dilemmas in restricting credit business from the supervision system,legal system and the rural financial ecological environment.Based on these problems,this paper put the financial health in the framework of the overall reform of rural finance,and put forward the countermeasures and suggestions to improve the financial health of peasant households.
出处
《农村金融研究》
2020年第12期46-51,共6页
Rural Finance Research
基金
国家自然科学基金青年项目“法人治理、产权改革对农村信用社双重绩效的影响:机理研究与实证检验”(编号:71903151)
教育部人文社会科学研究青年基金项目“乡村振兴战略背景下法人治理对农村信用社绩效的影响机理与优化路径研究”(编号:19YJC790181)
中国博士后科学基金面上项目“乡村振兴视角下官员晋升、信贷行为与农信社绩效研究”(编号:2019M661640)
上海市“超级博士后”激励计划(编号:2019329)的支持。
关键词
金融健康
普惠金融
制度性困境
对策建议
Financial Health
Inclusive Finance
Institutional Difficulties
Countermeasures
