基于电子化金融服务创新的普惠型农村金融体系重构研究

Research on Reconstruction of Inclusive Rural Financial System Based on Innovation of Electronic Financial Service

通过对广西横县、灵山、田东3县电子化金融服务渠道的专题调研,本文分析了信息技术创新对建立普惠型农村金融体系的重要意义。研究结果表明,电子化金融服务渠道创新是建立普惠型农村金融体系的突破口;实现广大乡村地区电子化金融服务的可持续发展是当前存在的主要难题;应充分尊重自下而上的电子化金融服务模式创新;电子化金融服务具有"准公共品"的特征,在构建该体系的过程中应充分发挥社会各方的积极作用。

In this paper, we analyze the importance of information technology innovation in building inclusive rural financial system, by special investigations in Heng County, Lingshan County and Tiandong County of Guangxi Zhuang Autonomous Region. The results show that the innovation of electronic channels for financial services is a breakthrough to the establishment of inclusive rural financial system. How to achieve sustainable development of electronic financial services in vast rural areas is a key issue at present. We should fully respect the innovation of electronic financial service pattern by rural areas. Electronic financial services have a characteristic of 'quasi-public-goods', thus all sectors of society should play an active role in the process of building this system.