乡村振兴视域下农村普惠金融产品优化研究

Research on the Optimization of Rural Inclusive Financial Products from the Perspective of Rural Revitalization

有效治理三农问题、全面推进乡村振兴是我国当前亟待解决的重点问题之一,而普惠金融产品正是可用于实现这一目标的重要载体。然而,当前我国农村普惠金融产品还存在一些突出问题,受到了农村参与主体理性程度、金融机构创新程度和金融基础设施完善程度等内外因素的制约,导致其在三农领域并未实现预期效果。因此,农村金融机构要在结合农村实际情况的基础上,统筹考虑面临的各种内外因素,选取适合的优化路径,方能促进农村普惠金融产品的可持续发展,为全面实现乡村振兴发挥更大作用。

Effective governance of agriculture,farmers and comprehensively promoting rural revitalization is one of the key issues to be solved in China at present,and inclusive financial products are an important carrier to achieve this goal.However,there are still some outstanding problems in China's rural inclusive financial products,which are restricted by internal and external factors such as the degree of rationality of rural participants,the degree of innovation of financial institutions and the degree of perfection of financial infrastructure,leading to its failure to achieve the expected results in the fields of agriculture,rural areas and farmers.Therefore,rural financial institutions should,on the basis of the actual situation in rural areas,comprehensively consider various internal and external factors and select the appropriate optimization path,so as to promote the sustainable development of rural inclusive financial products and play a greater role in the comprehensive realization of rural revitalization.