摘要：“普惠金融”概念于2005年被提出来，它是站在整个金融体系的整体的角度来思考如何通过多种多样的方式，让全数有金融需求的人都能同等地得到金融服务，尤其关注那些农村等贫弱区域的弱势群体、低收入群体，反映了“金融权即人权”，克服现有金融体系的弊端，促进社会整体平衡发展。自提出以来，该理论引起越来越多国家的重视特别是中国，同时各国也积极进行了多种相关的研究与实践。本文结合国内外相关文献，从全局上对我国农村普惠金融的现状进行模式方面的理论评价，之后从全国不同地区选取14个省和直辖市为代表，利用Sarma 指数法对它们进行普惠金融发展水平的测算，并进行各地区之间的比较分析，总结了对我国农村普惠金融未来发展路径的相关建议。25778
毕业论文关键词：农村普惠金融；基本概念；发展现状；未来路径
Research on the status quo and development path of rural Inclusive Finance in China
Abstract：Inclusive finance concept was proposed in 2005, it stood in the entire financial system's overall perspective on how to through a variety of ways, let all the financial needs of people can have equal access to financial services, with particular attention to vulnerable groups in rural poor areas and low income groups, truly reflect the the "financial human rights", has overcome the disadvantages of the existing financial system, promote the balanced development of the whole society. Since its introduction, the theory of Inclusive Finance has attracted more and more countries' attention, especially in China. At the same time, countries have carried out a variety of related research and practice in accordance with the characteristics of their own economic and financial development,. Based on the related literature at home and abroad, the first theoretical models for the evaluation of the status quo of China's rural financial inclusion, in general the inclusive financial development level have a certain understanding; according to the geographical pision calculation select national 14 provinces and municipalities as the representative of the use of Sarma index method of inclusive financial development level of the same, and compared between various regions, then summarizes the related suggestions for China's future development path of rural financial inclusion.
 Key words: Inclusive Finance；basic concept；Development status; future path
目  录
摘要1
关键词1
Abstract1
Key words1
一、引言（或绪论）1
二、文献综述2
（一）国外相关研究2
（二）国内相关研究2
三、中国农村普惠金融体系基础设施及4
（一）金融服务区域的覆盖情况4
（二）金融服务产品种类和质量5
（三）农村金融基础设施建设5
1．支付结算体系的建设 5
2．农村信用体系的建设5
3．农村融资担保体系建设 6
4．其他 6
（四）小结6
四、普惠金融发展程度的测算比较6
1．计算方法及思路6
2．指标文度的设立及权重确定 6
（1）设立原则6
（2）选取具体指标6
（3）各指标权重的确定7
3．数据的无量纲化处理 7
4．IFI的计算 8
5．各地区普惠金融发展水平评价8
五、未来发展路径的建设建议9
1．扩大普惠金融的覆盖规模和升级服务 9
（1）扩大普惠金融覆盖范围9
（2）创新普惠金融服务9
2．健全普惠金融监管政策和法律体系 9
（1）完善普惠金融法律体系9
（2）推行差异化政策9
3．加快信用体系建设9
4．加强信息技术的应用 10
5．明确政府工作清单 10
致谢11
参考文献11
图1  普惠金融体系框架图3 中国农村普惠金融现状及发展路径研究:http://www.751com.cn/jingji/lunwen_19734.html