我国农村商业银行普惠金融可持续发展研究

A Study on Sustainable Development of Inclusive Finance of Rural Commercial Bank in China

普惠金融具有公平性、可获得性、覆盖范围广等特点,服务的对象侧重于农民、中小微企业、城镇低收入人群和残疾人、老年人等。农商银行作为一直植根于广大农村和城乡地区的地方性金融机构,发展普惠金融是其必然要求。然而农商银行在践行普惠金融过程中也显露出风险大、成本高、创新力度不够、机制不健全等问题,如何解决这些问题、实现农商银行普惠金融的可持续发展,建立起良好、可持续的普惠性金融体系,是我们当前应该关注的课题和现实选择。

Due to the features of fairness,availability,wide coverage,etc,the service object of inclusive finance is focused on farmers,micro,small and medium enterprises,urban people with low-income,people with disabilities and the elderly.As a local financial institution which has been rooted in the vast rural and urban areas,rural commercial bank is inevitably need to develop the inclusive finance.But in the process of developing inclusive finance,series of problems like big risk,high cost,less attention to innovation,soundless mechanism appear to rural commercial bank.how to solve these problems,realize the sustainable development of rural commercial bank s inclusive finance,establish a good and sustainable inclusive financial system are the tasks and choices that we should explore and make on the current.