普惠金融背景下农村金融信贷风险防控研究—以广东省为例摘要全面建设小康社会，是在中共第十八次全国代表大会时提出的中国现在至二零二零年的历史交汇阶段，它是进行中国社会主义现代化建设的重大组成部分，是完成中华民族辉煌中国梦的重大一步。在中国统计局所发布的统计资料中我们可以发现，在近十年间中国的城乡居民收入比在逐渐降低，但仍超过了世界上其他发达国家的平均城乡居民收入比，在如此的大背景下，中国普惠性金融的出现也帮助了不少有金融需要的普通老百姓，为缩小城乡差距奉献了一份力量，根据程荣荣（2020）[1]的调查证实，中国普惠性金融的发展能够发挥缩短城乡差距的功能，中国普惠金融指数平均每年提高一个百分点，而城乡收入比则减少了百分之零点二七，在起到积极作用的同时，银行金融机构也承受着一定的信贷风险。通过对各省农商银行信贷风险计算与对比，得出广东省的农商银行违约概率较小，违约距离较长，在全国农商银行中信贷风险较低。因此，本文通过研究广东省农村商业银行在全国各省的信贷风险水平，探讨如何通过建立更完善的信用体系，让普惠金融能发挥更大的积极作用。关键词：信贷风险；普惠金融；城乡收入差距；ResearchonthePreventionandControlofRuralFinancialCreditRiskundertheBackgroundofInclusiveFinance：ACaseStudyofGuangdongProvinceAbstractBuildingamoderatelyprosperoussocietyinallrespectsisChina'sgoalto2020putforwardatthe18thNationalCongressoftheCommunistPartyofChina.ItisalsoanimportantlinkinrealizingChina'ssocialistmodernizationandakeystepinrealizingtheChinesedreamofthegreatrejuvenationoftheChinesenation.FromthedatareleasedbytheNationalBureauofstatistics，wecanseethattheincomeratioofurbanandruralresidentsinChinahasdecreasedyearbyyearinrecenttenyears，fromto，butitisstillhigherthanthatofurbanandruralresidentsinothercountriesintheworld.Underthisbackground，theemergenceofInclusiveFinancehashelpedmanyordinarypeoplewithfinancialserviceneedsandcontributedtonarrowingthegapbetweenurbanandruralareas.Accordingtotheresearch，ThedevelopmentofInclusiveFinanceinChinacanindeedplayaroleinnarrowingthegapbetweenurbanandruralareas.Foreveryonepercentagepointincreaseintheinclusivefinancialindex，urbanandruralincomewillbereducedby0.27%.Whileplayingapositiverole，bankingandfinancialinstitutionsalsobearcertaincreditrisks.Accordingtothecalculationofthecreditriskofruralcommercialbanksinvariousprovincesinthispaper，theprobabilityofdefaultofruralcommercialbanksinGuangdongProvinceissmallandthedefaultdistanceislongTherefore，thispaperdiscusseshowtoestablishamoreperfectcreditsystembystudyingthecreditrisklevelofruralcommercialbanksinGuangdongProvince，Letinclusivefinanceplayagreaterpositiverole.Keywords：Creditrisk；Financialinclusion；Theincomegapbetweenurbanandruralareas目录一、导论..........................................................................................................................................1（一）研究背景及意义...............................................................................................................1（二）普惠金融相关文献论述.................................................................................................2（三）农村商业银行信贷风险理论相关文献............................................................................3（四）相关文献评述与总结.....................................................................................................3二、普惠金融下银行信贷风险概述...............................................................................................4（一）当代普惠金融概念...
