农村金融机构发展及其风险监管研究——基于PEST分析法

The Development of Rural Financial Institutions and the Risk Supervision Based on PEST Analysis

农村金融的发展从一定程度上降低了金融服务的成本,大大吸引了资本的流入,推动了农村经济的发展。但近年来农村金融的发展仍存在着极大的风险。利用PEST分析法阐明农村金融的发展与风险监管的相关状况,并提出切实做好农村金融机构的宣传工作、加强国家与地方关于农村金融机构的法律建设、农村金融要认识到做好支农工作的重要性、依靠金融大数据提高普及率与精准率等合理化建议,以推动我国农村金融机构的发展及其风险监管。

The development of rural finance has reduced the cost of financial services to a certain extent, greatly attracted the inflow of capital, and promoted the development of rural economy. However, there are still great risks in the development of rural finance in recent years. The PEST analysis method is used to clarify the relevant status of the development of rural finance and risk supervision, and put forward reasonable suggestions such as effectively doing a good job in the publicity of rural financial institutions, strengthening the national and local legal construction of rural financial institutions, recognizing the importance of doing a good job in supporting agriculture, and relying on financial big data to improve the popularity and accuracy, so as to promote the development of rural financial institutions in China and the risk supervision.