供需视角下农村普惠金融发展问题及对策

Problems and Countermeasures of Rural Inclusive Finance Development from the Perspective of Supply and Demand

当前金融供需总量不平衡、供需结构不匹配是农村普惠金融发展最突出的难题,数字普惠金融的创新实践能够有效化解农村金融供需难题。应加强农村数字化基础设施建设,借助数字技术创新农村普惠金融产品和服务,建立适合乡村振兴发展的数字普惠金融供给机制;并以需求为导向,推动数字普惠金融与农村产业链深度融合,提升农村数字普惠金融教育水平。通过完善供需机制推动数字普惠金融更好地助力乡村振兴与脱贫攻坚。

The current imbalance between the total financial supply and demand and the mismatch between the supply and demand structure are the most prominent problems in the development of rural inclusive finance.The innovative practice of digital inclusive finance can effectively resolve the problem of rural financial supply and demand.The construction of rural digital infrastructure should be strengthened,innovating rural inclusive financial products and services with the help of digital technology,establish a digital inclusive financial supply mechanism suitable for rural revitalization and development;take demand as the guide to promote the deep integration of digital inclusive finance and rural industrial chain to improve the educational level of rural digital financial inclusion;and promote digital financial inclusion by improving the supply and demand mechanism to better assist rural revitalization and poverty alleviation.