CAJ | 학술논문

为了明晰农村金融发展与农民福利之间的关系，运用可行能力分析框架，从农村金融发展的角度研究农民的可行能力问题，并提出建设普惠型农村金融体系和提高农民可行能力的具体措施。结果表明，通过作用于农民的经济条件、社会机会、透明性保证和防护性保障四项工具性自由，农村金融发展可以提高农民的可行能力。指出要从金融组织体系、法律制度体系和政策支持体系等方面着手推进我国普惠型农村金融体系建设，促进农村金融发展，提高农民的可行能力。
위료명석농촌금융발전여농민복리지간적관계，운용가행능력분석광가，종농촌금융발전적각도연구농민적가행능력문제，병제출건설보혜형농촌금융체계화제고농민가행능력적구체조시。결과표명，통과작용우농민적경제조건、사회궤회、투명성보증화방호성보장사항공구성자유，농촌금융발전가이제고농민적가행능력。지출요종금융조직체계、법률제도체계화정책지지체계등방면착수추진아국보혜형농촌금융체계건설，촉진농촌금융발전，제고농민적가행능력。
In order to figure out the relationship between rural financial development and farmers’ welfare,‘the ca-pability’ framework was applied to analyze farmers’ capabilities related issues from the rural financial development per-spective, and the detailed measures were proposed to establish inclusive rural financial system in order to improve farmers’ capabilities. By reflecting on the four instrumental freedom including farmers’ financial conditions, the social opportuni-ties, the transparent assurance and the protective security, rural financial development can enhance the farmers’ capabili-ties. Due to serious financial repression in rural areas, insufficient rural financial coverage, and difficulties in getting loans, an inclusive rural financial system is suggested to be developed through improving financial organization system, le-gal system and supporting system of policy to promote rural financial development and enhance farmers’ capabilities.