普惠金融服务乡村振兴的理论逻辑

The Theoretical Logic of Inclusive Financial Services for Rural Revitalization

普惠金融服务乡村振兴的理论逻辑是普惠性,其为弱势群体提供有效的金融服务,进而为解决农村、农业、农民问题提供一个有效的解决途径。指出在当前农村经济模式下,农村存在金融排斥和需求型信贷约束,普惠金融服务乡村振兴契合农村经济模式;普惠金融服务乡村振兴还要发挥好资源配置功能、支付结算功能和分散风险功能;普惠金融发展也是乡村振兴的重要内容。

The theoretical logic of inclusive financial services for rural revitalization is inclusiveness,which provides effective financial services for vulnerable groups and thus provides an effective solution to rural,agricultural,and farmer problems.The article indicates that under the current rural economic model,there is financial exclusion and demand based credit constraints in rural areas,and inclusive financial services for rural revitalization are in line with the rural economic model.Inclusive financial services for rural revitalization also rely on resource allocation,payment and settlement functions,and risk diversification functions.The development of inclusive finance is also an important part of rural revitalization.