摘要
健全农村金融服务体系是加快构建新发展格局、着力推动乡村振兴战略实施的重要内容。当前,我国农村金融需求类型呈现多层次、多元化、差异化特征,金融服务面临金融产品供给与金融需求的结构性错配问题,要求农村金融服务体系进一步健全和完善。与此同时,全面推进乡村振兴战略又要求农村金融服务体系践行普惠金融、适应新金融需求和承担社会责任。在此背景下,健全农村金融服务体系需要正视信贷、保险、支付、理财、担保“五大关键领域”的发展现状和存在问题,明确“五大关键领域”产品创新的重点,理性处理农村金融产品的普适性与差异性关系、创新金融产品与传统金融产品的关系、金融机构盈利性与社会性的关系“三对关系”,进而通过强化农村信贷供给提高农业经营主体信贷可得性,完善农业保险构建包容性风险管理和风险融资体系,创新支付产品破除农村数字支付障碍,创新农村理财新模式满足农民理财需求,优化农业担保模式实现业务与规模平衡。
Improving the rural financial service system is an important part of accelerating the construction of a new development pattern and promoting the implementation of the rural revitalization strategy.At present,the types of rural financial demand in China exhibit multi-level,diversified,and differentiated characteristics,and financial services face the structural mismatch between the supply of financial products and the demand for financial services.It is required that the rural financial service system be further improved and perfected.At the same time,the comprehensively promoting of the rural revitalization strategy requires the rural financial service system to practice inclusive finance,adapt to new financial needs,and assume social responsibility.So,To improve rural financial service system needs to face the development status and existing problems of the "five product markets" of credit,insurance,payment,wealth management,and guarantee,clarify the key areas and groups of product innovation in the "five product markets",rationally handle the universality and differences of rural financial products,the relationship between innovative financial products and traditional financial products,and the relationship between profitability and sociality of financial institutions.Based on that,we believe that we should enhance the supply of rural credit to improve the availability of credit for agricultural business entities,improve the construction of inclusive risk management and risk financing systems for agricultural insurance,innovate payment products to remove obstacles to rural digital payments,innovate new models of rural financial management to meet the financial needs of farmers,optimize agricultural guarantee models to achieve a balance between business and scale.
作者
杜志雄
田雅群
DU Zhi-xiong;TIAN Ya-qun
出处
《农村金融研究》
北大核心
2024年第5期3-14,共12页
Rural Finance Research
基金
中国社会科学院青年基金启动项目“县域财政压力对农村商业银行风险的影响研究”(编号:YQNQD029)的研究成果。
关键词
乡村全面振兴
农村金融服务体系
金融产品
普惠金融
共同富裕
Rural Revitalization Across the Board
Rural Financial Service System
Financial Product
Inclusive Finance
Common Prosperity
