数字金融时代农村商业银行信用风险治理动因、挑战与路径探索

Motivation,Challenges and Path Exploration of Credit Risk Governance in Rural Commercial Banks in the Digital Finance Era

数字金融迅猛发展带动经济-社会加速数字化转型,深刻影响着农村金融机构发展的方向与路径,农商行作为服务“三农”和县域经济的主力军,在支持地方经济发展、满足农村金融需求与培育新质生产力等方面发挥着重要作用。文章基于数字金融与农村商业银行信用风险治理融合的视角,首先阐述数字金融与农村商业银行信用风险的涵义与特点;其次揭示数字金融驱动农村商业银行发展创新的运行机理;然后针对农村商业银行经营发展过程中在内部控制、数字化创新、外部监管等方面存在的信用风险困境并透视问题根源,从构建风险评估体系、改善内部治理机制、强化外部金融监管等方面提出数字金融化解农村商业银行信用风险的应对策略与实施路径,以提高农村金融机构经营质效、促进农业经济高质量发展,实现乡村振兴和全民共同富裕的伟大目标,并为利益相关者提供理论借鉴和决策参考。

The rapid development of digital finance has driven the accelerated digital transformation of the economy and society,and has deeply affected the direction and path of the development of rural financial institutions.As the main force in serving agriculture,rural areas and farmers as well as county economies,rural commercial banks play an important role in supporting local economic development,meeting rural financial needs and cultivating new-quality productive forces.From the perspective of the integration of digital finance and credit risk governance of rural commercial banks,this paper expounds the meaning and characteristics of digital finance and credit risks of rural commercial banks,and reveals the operating mechanism of digital finance driving the development and innovation of rural commercial banks.It also examines the root causes of the problems in view of the credit risk dilemmas existing in internal control,digital innovation,external supervision and other aspects in the operation and development process of rural commercial banks.Strategies and implementation paths for mitigating credit risk through digital finance are proposed,focusing on building a risk assessment system,improving internal governance mechanisms,and strengthening external financial regulation.This study aims to enhance the operational quality and efficiency of rural financial institutions and promote high-quality agricultural economic development,thus achieving the great goals of rural revitalization and common prosperity for all,and providing theoretical insights and decision-making references for stakeholders.