山西省农村普惠金融的供给现状及问题调查分析

基于普惠金融提供机构的多元性和提供金融服务的丰富性这两个特点,围绕农村金融机构的发展以及其提供的涉农金融服务来对山西省农村金融的供给现状进行调查分析。调查发现山西农村金融机构方面营业网点稳步增加,从业人数明显增多,农村金融机构资产总额占比提升显著,农村金融机构区域分布均衡;涉农金融服务方面银行涉农贷款产品丰富多样,农村保险密度和深度较低,总体来看农村金融环境明显改善,但是发展中仍然存在很多问题。

Investigation and Analysis of the Present Situation and Problems of Rural Inclusive Finance Supply in Shanxi Province

Based on the two characteristics of inclusive financial institutions and the richness of financial services, this paper investigates and analyzes the supply of rural finance in Shanxi Province based on the development of rural financial institutions and the agricultural financial services they provide. The survey found that the number of rural financial institutions in Shanxi has increased steadily, the number of employees has increased significantly, the proportion of total assets of rural financial institutions has increased significantly, and the regional distribution of rural financial institutions has been balanced. In terms of agricultural-related financial services, banks have a wide range of agricultural-related loan products, and the density and depth of rural insurance are low. Overall, the rural financial environment has improved significantly, but there are still many problems in development.