金融科技赋能农村金融高质量发展的机制与路径

The Mechanism and Path of Fintech Enabling the High-quality Development of Rural Finance in China

中国经济已经迈入高质量发展的新阶段,在这种背景下,农村金融高质量发展对农业现代化与乡村振兴战略的实施具有十分重要的意义。经过多年的改革发展,中国农村金融发展仍面临农信机构改制不到位、基础设施落后、风险分担机制滞后等问题,成为制约农村金融高质量发展的“瓶颈”。与此同时,金融科技行业迅速发展,金融业数字化转型步伐加快,数字乡村战略稳步推进,为金融科技赋能农村金融高质量发展创造了前所未有的机遇。为此,本文基于对农村金融高质量发展挑战和金融科技发展机遇的分析,从缓解信息不对称、降低交易成本、改善风险定价等角度阐述了金融科技赋能农村金融高质量发展的理论机制,从助力农村金融数字化转型、推动农村金融产品创新、重塑农村金融发展模式等维度揭示了金融科技赋能的现实路径,进而提出金融科技赋能农村金融高质量发展的若干对策。

China's economy has entered a new stage of high-quality development.In this context, high-quality development of rural finance is of great significance to the implementation of agricultural modernization and rural revitalization strategy.After years of reform and development, China's rural financial development is still facing many problems such as inadequate restructuring of rural credit institutions, backward infrastructure, and lagged risk-sharing mechanism, which have become a “bottleneck” restricting the high-quality development of rural finance.At the same time, the rapid development of the Fintech industry, the accelerated pace of digital transformation of the financial industry, and the steady progress of the digital village strategy have created unprecedented opportunities for the high-quality development of rural finance enabled by Fintech.Therefore, based on the analysis of the high-quality development challenges of rural finance and the development opportunities of Fintech, this paper expounds the theoretical mechanism of Fintech enabling high-quality development of rural finance from the perspectives of alleviating information asymmetry, reducing transaction costs.etc.,and reveals the practical path of Fintech enabling from the dimensions of helping digital transformation, promoting product innovation, and reshaping development mode of rural finance, then it puts forward some countermeasures to enable the high-quality development of rural finance through Fintech in China.