摘要
随着数字普惠金融的快速发展,愈加丰富的金融创新服务乡村振兴模式兴起。本文通过对位于边少革命老区的广西壮族自治区田东县进行典型案例剖析发现:数字普惠金融具有广泛包容性、多元层次性和系统责任性等特点,通过政府主导和市场协同发力的金融服务、征信大数据赋能农村普惠金融和“农金村办”多方联动的数字村站等模式,有利于拓展金融服务范围,缓解信息不对称,破解三农领域融资难贵慢等金融排斥困境,进而促进乡村全面振兴。在此基础上,针对现实发展障碍,提出通过政府主导、市场协作提供差异化的金融供给服务,采取更为标准化的数据采集利用方式,提升金融体系的多元化协同效率,创新线上线下多层次人才培育机制等对策建议,为打通农村普惠金融服务的“最后一公里”贡献智慧。
Based on the development of digital inclusive finance,more and more financial service rural revitalization models are emerging.The author has analyzed the typical cases of Tiandong county in Guangxi,an underdeveloped ethnic minority autonomous areas and old revolutionary bases,then found that the characteristics of digital inclusive finance,such as broad inclusiveness,pluralistic hierarchies and systemic responsibility.Through the multi-integrated financial development model led by the government and the coordinated development of the market,the credit information big data empowers the rural inclusive financial service model,“rural financial village office”multi-party linkage digital village station comprehensive service development model,etc.These inductive practices and experiences are conducive to expanding the scope of financial services,alleviating information asymmetry,reducing traditional financial exclusion and financial risks,solving the financial exclusion difficulties in rural areas.On this basis,this research further aims at the practical development obstacles,and proposes innovative mechanism guarantees and countermeasures such as to provide differentiated financial supply services through government-led market collaboration,establish a more standardized data collection and utilization method,improve the diversified collaborative efficiency of the financial system,and improve the multi-level online and offline talent cultivation mechanism.Furthermore,contribute wisdom to the development of rural inclusive financial services.
作者
陈一明
温涛
CHEN Yiming;WEN Tao(Chongqing Technology and Business University,Chongqing 400067;Chongqing Technology and Business University,Chongqing 400715)
出处
《农业农村部管理干部学院学报》
2023年第1期3-11,共9页
Journal of Agricultural Management Institute of Ministry of Agriculture and Rurial Affairs
基金
国家社科基金重大项目“实现巩固拓展脱贫攻坚成果同乡村振兴有效衔接研究”(21ZDA062)
国家社会科学基金重点项目阐释党的十九届四中全会精神“建立解决相对贫困的制度体系与长效机制研究”(20AZD080)
重庆工商大学高层次人才科研启动项目“数字经济背景下推进乡村产业兴旺的金融创新研究”(2255018)
关键词
数字普惠金融
农村金融排斥
田东模式
案例分析
乡村振兴
digital inclusive finance
rural financial exclusion
Tiandong Model
case study
rural revitalization
