商业银行服务乡村振兴的普惠路径

An Inclusive Path of Commercial Banks Serving Rural Revitalization

通过探究乡村振兴的路径、内涵及意义,并对金融服务于乡村振兴的普惠效应、市场均衡、收益刚性与成本约束等进行经济分析,从金融功能视角,探讨商业银行服务乡村振兴的逻辑,并提出普惠路径:构建小微型窗口,构建向“三农”倾斜的资源配置机制,进行普惠性基础金融服务的业务创新、基于农业农村升级需求的金融产品创新、契合农业农村特征的金融技术创新。

By exploring the path,connotation and significance of rural revitalization,and based on the economic analysis of the inclusive effect,market equilibrium,income rigidity and cost constraints of rural revitalization financial services,from the perspective of financial functions,the logic of commercial banks serving rural revitalization is discussed,and the inclusive path is proposed:building micro windows and the“agriculture,rural areas and farmers”preferential allocation mechanism;innovating on inclusive basic financial services,financial product based on the upgrading needs of agricultural and rural areas,and financial technology that fit the characteristics of agricultural and rural areas.