欠发达地区发展政策贴息类普惠金融产品的探索

党的十八大报告中明确指出要深化金融体制改革，改革的一个重点就是要打破垄断，建立普惠金融体系。农村经济的发展、农业产业的升级和农民收入的提高，关键是建立健全农村金融体系，创新普惠金融模式。自2009年以来，武威市通过强力推动“妇女小额担保贷款”、“双联惠农”贷款和“双业”贷款等一些列政策贴息类普惠金融产品，在发展普惠金融方面做了许多有益尝试。

The Exploration on Developing Subsidized Policy Inclusive Financial Products in the Less Developed Areas ---The Practice of Wuwei

It was clearly pointed out in the report of the 18th national congress of the CPC that the financial system reform should be deepened, and one of the focuses of the reform is to break the monopoly and establish inclusive financial system. The key to the de-velopment of the rural economy, the upgrading of the agricultural industry and the improvement of farmers’income is to establish and improve the rural financial system and make the innovation in the inclusive finance mode. Since 2009, by forcing a series of inclusive financial products such as“micro guaranteed loans especially for women”,“double favorable”loans and“double industry”loans, many useful attempts in developing the inclusive finance have been made in Wuwei city.