金融创新与乡村振兴战略需求匹配路径研究

Research on the Matching Path of Financial Innovation and Rural Revitalization Strategic Needs

该文从银行业、保险业两大农村金融支柱产业出发,分析现有农村金融支持乡村振兴的现状,然后基于乡村振兴政策的五个维度构建中国乡村振兴需求评价指标体系,运用因子分析法对全国31省份发展状况进行综合评价,并进一步构建计量模型实证分析中国农村金融发展对于乡村振兴效果的影响效应。分析表明,农村金融显著影响乡村振兴的建设成效,其中,现有银行业的发展积极促进乡村振兴,而农村保险业发展比较缓慢,但是现有农村金融的支持力度与影响作用还比较微弱。针对此问题,该文从制度体系、金融产品、政府职能、风险机制四个角度提出了匹配于乡村振兴政策需求的金融创新发展路径。

This paper analyzes the current situation of rural financial support for rural revitalization from the two major rural financial pillar industries of banking and insurance.Then,based on the five dimensions of rural revitalization policy,this paper constructs an evaluation index system of rural revitalization demand in China,uses factor analysis method to comprehensively evaluate the development of 31 provinces in China,and further constructs a measurement model to empirically analyze the effect of financial development on rural revitalization.The analysis shows that rural finance has a significant impact on the construction effect of rural revitalization,among which the development of the existing banking industry actively promotes rural revitalization,while the insurance industry inhibits the overall development of rural areas,but the support and influence of the existing rural finance are still weak.In view of this problem,this paper puts forward the development path of financial innovation matching the demand of rural revitalization policy from four angles:system,financial products,government functions and risk mechanism.