| 农村金融排斥理论视角下的“查干花”模式——对农村支付环境建设中自发机制问题的探讨 |
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| 作者单位： | 中国人民银行长春中心支行支付结算处课题组 |
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| 摘 要： | 金融排斥是制约我国农村金融服务质量和水平的重要因素，研究解决作为基础性的金融服务的支付结算领域的金融排斥问题的路径，对于全面破解农村地区金融服务具有重要意义。本文以吉林省松原地区查干花养殖场内的兽医站通过转账电话为养殖场员工及附近农户提供非现金支付服务的发展为例，通过对当下农村自发衍生的支付服务机制进行了探讨，对破解农村支付领域金融排斥、推进农村金融产品和服务方式创新机制路径改进提出了建议。
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| 关 键 词： | 金融排斥 支付服务 自发机制 改进路径 |
The ＂Chaganhua＂ Model from the Perspective of Rural Financial Exclusion Theory Discussion on the Spontaneous Mechanism under the Construction of Rural Payment Environment |
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| Abstract: | Financial exclusion is an important factor in the quality and level of financial services m rural areas, it has significance that to research the solve path of financial exclusion in the areas of financial settlement as a basis financial services in rural areas for enhancing comprehensive financial services. In this paper, take Jilin Songyuan region Chaganhua breeding farms as example, put forward the suggestion for improving rural finance mechanisms innovation. |
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| Keywords: | Financial Exclusion Payment Services Spontaneous Mechanisms Improved Path |
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