农村金融高质量服务乡村振兴路径研究

Study on the Strategic Path of Rural Revitalization of Rural Finance with High Quality Service

农村贫困形成理论认为,农村投入资本缺乏、农村资源配置不平衡、农村人口教育的缺乏及贫困代际传播广泛是农村贫困形成的主要原因。可见,农村金融是有效实施乡村振兴战略的关键力量。然而,目前我国农村金融存在体系不完善、规模小、风险分担机制不健全、产品与服务同质化等诸多不足,极大地限制了其在乡村振兴战略中的作用,严重影响了乡村振兴战略的顺利实施。因此,在总结国际经验的基础上,建议通过完善农村金融服务职能、增强农村金融风险防范能力、创新农村金融产品与服务等,不断提升农村金融服务乡村振兴的质量。

According to the theory of rural poverty formation,the main causes of rural poverty formation are lack of investment capital,unbalanced allocation of rural resources,lack of education of rural population and wide intergenerational transmission of poverty.It is obvious that rural finance is the key force to carry out the rural revitalization strategy effectively.However,at present our country rural finance existence system is not perfect,the scale is small,the risk sharing mechanism is not perfect,the product and the service homogeneity and so on many deficiencies,has limited its in the rural revitalization strategy greatly,it has seriously affected the smooth implementation of the rural revitalization strategy.Therefore,on the basis of summing up the international experience,it is suggested that we should perfect the rural financial service function,strengthen the rural financial risk prevention ability,innovate the rural financial products and services,etc.,we will continue to improve the quality of rural financial services and rural revitalization.