全面推进乡村振兴与深化农村金融改革创新:逻辑转换、难点突破与路径选择

Pushing Forward Rural Revitalization on All Fronts and Deepening Rural Financial Reform and Innovation:The Logic Conversion,Breakthroughs and Path Selection

党的十八大以来,农村金融供给侧结构性改革深入推进,在脱贫攻坚实践中取得了巨大成就。随着“三农”工作重心历史性地转向全面推进乡村振兴,农村金融发展需要加快从扶贫金融向“普惠金融+产业金融”、从政府主导向“政府引导+市场运作”、从支持生态扶贫向服务乡村绿色发展、从传统金融扶持向金融科技赋能的四重逻辑转换,并由此针对性地破题制约农村金融可持续发展的难点问题和薄弱环节。面对新时代新征程的使命任务和新形势新要求,深化农村金融改革创新必须立足新的逻辑起点,完整、准确、全面贯彻新发展理念,牢牢把握“金融服务实体经济”的本质要求,从强化金融机构责任担当、完善各类金融互补合作机制、加快绿色金融服务创新、建设开放型乡村金融信息平台、加大村级金融服务站建设力度以及建立风险防控长效机制等方面重点发力,着力健全农村金融服务体系、提升农村金融服务供给质量和效率、增强农村金融服务能力,更好地满足人民群众为追求美好生活而日益增长的金融需求,夯实共同富裕的基础。

Since the 18 th National Congress of the Communist Party of China,China has deepened supply-side structural reform in rural finance and made significant achievements in the practice of poverty alleviation.As the focus of the work related to agriculture,rural areas and farmers has historically shifted to comprehensively promote rural revitalization,there is a need to accelerate the four-fold logical conversion in rural financial development,namely,from poverty alleviation finance to inclusive finance plus industrial finance",from government-led development to"government guidance plus market operation",from supporting ecological poverty alleviation to serving rural green development and from traditional financial support to financial technology empowerment.Facing the new missions and tasks in the new era and new requirements,China should deepen rural financial reform and innovation based on a new logical starting point.There is a need to accurately implement the new development philosophy in a comprehensive manner,and firmly grasp the essential requirements of financial services for the real economy".China should make efforts to enhance the responsibility of financial institutions,improrove various complementary cooperation mechanisms,accelerate green financial services innovation,build an open information platform of rural finance,strengthen the construction of village-level financial service stations,and establish a long-term mechanism for risk prevention and control.In this it can better meet people’s growing financial needs for a better life and consolidate the foundation of common prosperity.