乡村振兴战略下农村数字普惠金融监管研究

Research on rural digital inclusive financial supervision under the strategy of rural revitalization

为了应对农村数字普惠金融发展过程中存在的问题与风险,更好地发挥其在乡村振兴中的功能,对当下中国农村数字普惠金融监管实践进行考察。结果表明,现阶段中国农村数字普惠金融监管中存在监管法律法规不健全、监管模式与实践脱节、监管手段落后、征信体系不完善、市场准入和退出机制缺乏等问题。建议政府从监管法律法规、监管模式、监管科技、征信体系、市场准入与退出机制等方面完善监管制度,以促进农村数字普惠金融产业平稳运行,助力乡村振兴。

In order to deal with the problems and risks in the development of rural digital inclusive finance,and better play its function in rural revitalization,this paper investigated the current practice of rural digital inclusive financial supervision in China.The results show that there are some problems in the current rural digital inclusive financial supervision,such as imperfect regulatory laws and regulations,disconnection between regulatory model and practice,backward regulatory means,imperfect credit reporting system,lack of market access and exit mechanism.It is suggested that the government should improve the supervision system from the aspects of supervision laws and regulations,supervision mode,supervision technology,credit reporting system,market access and exit mechanism,so as to promote the smooth operation of rural digital inclusive financial industry and help rural revitalization.