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本文以供给侧结构性改革作为研究逻辑起点,从金融服务网点密度、金融服务满足率微观视角对比分析了欠发达地区金融服务所处的历史发展水平及地域差距,重点研究群体性消费习惯、消费特征和消费选择、金融服务供给与金融消费者现实需求之间的矛盾和差距,并在金融服务供给侧改革路径、民间借贷社会价值定位、金融服务需求与供给之间的互动与博弈等方面进行了有益探索。
This dissertation takes the supply-side structural reform as the starting point of the study, compares and analyzes the historical development level and the regional disparity of the financial services in underdeveloped areas from the perspectives of the density of financial service outlets and the financial service satisfaction rate, focusing on the research on the group consumption habits and consumption Characteristics and consumer choice, the contradiction and gap between the financial service supply and the real needs of financial consumers, and in the reform path of the financial service supply side, the social value of private lending, the interaction and game between financial service demand and supply A useful exploration.