摘要
零售及小微信贷是银行数字化转型的起点与主战场,商业银行作为我国银行体系中的重要部分,可以从建立并完善小微企业支持体系,并根据自身所处的地区有选择性地重点支持相应的行业。但当前我国商业银行农业金融的发展却并不是十分顺利,其在发展中还面临着诸多困难,因此为了能够更好促进我国商业银行的农业金融发展,本文通过研究和分析当前所存在的问题,并提出解决商业银行农业金融发展难题的建议,有效提升金融服务可获得性,完善整体的管理体系,降低风险,希望本文的研究对促进商业银行农业金融的健康发展有所帮助。
Retail and small and micro credit are the starting point and the main battlefield of bank digital transformation.As an important part of China's banking system,commercial banks can establish and improve the support system for small and micro enterprises,and selectively focus on supporting the corresponding industries according to their own areas.But the current development of Chinese commercial bank agricultural finance is not very smooth,it still faces many difficulties in the development,so in order to better promote the development of Chinese commercial bank agricultural finance,by study and analyze the existing problems,and put forward the commercial bank agricultural financial development problems,effectively improve the overall management system,reduce risk,hope this research is helpful to promote the healthy development of commercial bank agricultural finance.
作者
马莉
MA Li(Guizhou University of Finance and Economics Guiyang,Guizhou 550025)
出处
《现代农业研究》
2022年第2期142-144,共3页
Modern Agriculture Research
关键词
商业银行
农业金融
存在问题
措施对策
commercial banks
agricultural finance
existing problems
measures and countermeasures
