建设农村金融综合服务体系 助力农村经济发展

The Construction of Rural Financial Service System and the Development of Rural Economy

随着农村经济的快速发展,各类市场主体的融资需求呈现多样化发展趋势,复杂程度也越来越高,单一手段往往很难满足,综合化金融服务的需求明显增加。应借鉴综合化经营模式,通过建设线上服务平台和线下服务网点,对内实现企业的内部协同,外部与银行、证券、保险等机构实现契约化合作,为"三农"提供普惠金融服务。同时,推进农村金融综合服务体系建设是一项系统工程,需要进行科学系统设计,循序渐进,可以通过搭建机构服务体系、丰富金融服务产品、协调建立风险补偿机制、推进农村地区征信体系建设、开展农村地区居民金融知识普及等方式展开。

With the rapid development of rural economy, the financing needs of various types of market players diversified development trend, the complexity is also more and more high, the single method is often difficult to meet the demand of integrated financial service increased significantly. It should use integrated management mode, through the construction of network service on line service platform and the line, to achieve synergy the enterprise's internal and external, bank, securities, insurance and other institutions to implement contract cooperation, to provide inclusive financial services for the 'three rural'. At the same time, promote the construction of rural financial service system is a system engineering, the need for scientific system design, step by step, we can build service system, enrich the financial service products, establish coordination the risk compensation mechanism, promote the construction of rural credit system, carry out the popularization of knowledge of rural residents' financial expansion area and other means.