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乡村振兴战略下乡村金融服务乡村经济的对策研究

Research on the path of integration of rural finance and industry under rural revitalization strategy
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摘要 当前,乡村金融在服务乡村经济的过程中,存在信贷产品难以满足乡村发展需要、乡村金融的监管体系不完善、乡村金融市场的竞争力不足、乡村资金存在流失现象、金融机构过于注重抵押物的所有权、农业的弱质性对金融机构吸引力不大等问题。为使乡村金融更好地服务乡村经济,需要创新乡村金融产品与服务、建立乡村金融的风险预警和应对机制、加强乡村金融的监管、加强乡村金融的社会监督和参与、完善乡村产权抵押担保政策、推动金融机构业务向乡村延伸、大力发展农业保险。 Rural revitalization is an important development strategy for China.Rural finance plays an important role in rural revitalization.It is a booster of rural industrial integration,a key to solving rural development difficulties,an important means to increase farmers’income,and an important guarantee to promote agricultural modernization.At present,in the process of rural finance serving rural economy,there are some problems such as credit products that are difficult to meet the needs of rural development,imperfect regulatory system of rural finance,insufficient competitiveness of rural financial market,the phenomenon of rural capital loss,the phenomenon of banks placing too much emphasis on the ownership of the collateral,and the attraction of agricultural fragility to financial institutions.To make rural finance better serve the rural economy,it is necessary to innovate rural financial products and services,establish a risk early warning and response mechanism for rural finance,strengthen supervision of rural finance,strengthen social supervision and participation in rural finance,improve the policy of rural property mortgage and guarantee,promote the extension of bank business to the countryside,and vigorously develop agricultural insurance.
作者 张杰 张维 赵泠淼 Zhang Jie;Zhang Wei;Zhao Lingmiao(School of Finance,Nanjing Audit University,Nanjing 211815;Jiangsu Vocational College of Finance&Economics,Huai-an Jiangsu 223003)
出处 《安徽商贸职业技术学院学报》 2023年第4期31-36,共6页 Journal of Anhui Business College
基金 国家社科基金项目(23BJY076) 江苏高校哲学社会科学研究一般项目(2022SJYB0371) 南京审计大学2022年国际化专项课题(22GJHGY12)。
关键词 乡村振兴 乡村金融 乡村经济 乡村金融产品与服务 Rural revitalization Rural finance Rural Economy
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