河北省农村金融科技服务创新现状与未来发展研究

Current Situation and Future Development of Rural Fin-tech Service Innovation in Hebei Province

近年来,在国家创新驱动发展战略和全面乡村振兴战略的大背景下,以大数据、区块链、人工智能、AI技术等现代信息技术为特征的科技赋能金融服务的创新日新月异。从河北省来看,农村金融科技服务主体主要是商业银行和金融科技公司,金融科技服务产品创新主要应用于金融机构服务场景、利用金融服务平台和移动数据终端的大数据提供金融服务、科技赋能的金融监管等方面,带来了农村金融服务效率的提升。目前,金融科技的发展尚处于起步阶段,外部环境还有待改善,包括基础设施的完善、农村居民金融素养的提升、熟练掌握大数据区块链等信息技术人才的培育、专业化金融科技公司的扶持等。因此,需加大基础设施建设力度,拓宽融资渠道,提升农民金融科技素养,以推动河北省农村金融科技能力的提升。

With the implementation of the national innova-tion-driven development strategy and the comprehensive rural revitalization strategy,in recent years,the innovation of tech-nology-enabled financial services featuring modern informa-tion technologies such as big data,block chain,artificial in-telligence and AI technology is changing with each new day.From the perspective of Hebei Province,the main participants of rural fin-tech service subjects are commercial banks and fin-tech companies,the innovation of fin-tech service prod-ucts is mainly applied in the service scenarios of financial in-stitutions,the provision of financial services by using big data of financial service platforms and mobile data terminals,and the financial supervision enabled by technology,which has brought about the improvement of the efficiency of rural fi-nancial services.From the perspective of fin-tech service and development environment,Hebei province still has outstand-ing problems,such as insufficient infrastructure,low financial literacy of rural residents,insufficient information technology personnel and lack of fin-tech companies cultivated in the province.Accordingly,countermeasures and suggestions are put forward to further develop rural fin-tech in our province from the aspects of strengthening infrastructure construction,broadening financing channels and enhancing farmers'fin-tech literacy.