乡村振兴视角下农村商业银行普惠金融的战略转型——以响水农村商业银行为例

Research on the Strategic Transformation of Inclusive Finance of Rural Commercial Banks from the Perspective of Rural Revitalization--Taking Xiangshui Rural Commercial Bank in Jiangsu as an Example

农村商业银行作为金融服务三农的地方主力军,通过广泛提供扶贫小额信贷、降低信贷准入标准等方式支持地方的扶贫减贫事业,在脱贫攻坚战中发挥了巨大作用。乡村振兴战略的提出,迫切需要农商行普惠金融发生战略转型,从原先过于注重公平的普惠金融初级阶段向在公平基础上强调效率、具有可持续性的高级普惠金融发展,以产业振兴为核心,开展规模化、集群化、绿色化、服务化的普惠金融便是实现此目标的着力点,农商银行应把握机遇,转变思维,注重人才培养,发挥主观能动性,有效推动乡村振兴目标的实现。

As the local main force of fi nancial services for agriculture,rural areas and farmers,rural commercial banks support the local causes of poverty alleviation and poverty reduction by widely providing poverty alleviation micro-credit and lowering credit access standards,and play a great role in the fi ght against poverty.With the proposal of the rural revitalization strategy,there is an urgent need for the rural commercial banks to make a strategic transformation of inclusive finance,from the initial stage of inclusive finance,which paid too much attention to equity,to the high-level inclusive fi nancial development that emphasizes effi ciency and sustainability on the basis of equity.With industrial revitalization as the core,carrying out large-scale,clustered,green and service-oriented inclusive fi nance is the focus to achieve this goal.Rural commercial banks should seize the opportunity and change their thinking patterns,focusing on personnel training,giving full play to subjective initiative,and eff ectively promoting the realization of the goal of rural revitalization.