摘要
传统金融服务农业农村经济发展面临的问题,主要在于农业农村金融服务的供需错位严重、政策落地难、供给成本较高、可持续性不足和边际效率低。数字技术的广泛运用为农村金融服务农业农村高质量发展提供了机遇,但是当前中国数字金融助推农业农村高质量发展仍然面临着诸多问题,具体表现为数字金融供给主体效率不高、数字金融的征信体系不完善、农民数字金融素养普遍较低、农村数字金融供需水平较低和数字金融基础设施建设滞后。未来进一步深化农村金融改革创新,推进农业农村高质量发展,亟需加快数字金融发展顶层设计和战略规划、农村数字金融的基础设施建设、乡村金融服务从业主体的人力资本改造、中国特色乡村数字经济和智慧农业发展模式试点以及数字金融风险预警、缓释和防范机制的建设。
The problems of traditional financial services in agricultural and rural economic development mainly lie in the serious mismatch between supply and demand of agricultural and rural financial services,difficult policy implementation,high supply costs,insufficient sustainability and low marginal efficiency.The extensive application of digital technology provides an opportunity for rural finance to serve the high-quality development of agriculture.However,there are still many problems in promoting the high-quality development of agricultural and rural areas by digital finance in China in terms of digital financial suppliers,credit investigation system,farmer’s digital financial literacy,supply and demand level and the digital financial infrastructure construction.In the future,to further deepen the reform and innovation of rural finance and promote the high-quality development of agricultural and rural areas,it is urgent to accelerate the top-level design and strategic planning of digital finance development,the construction of rural digital finance infrastructure,the reform of human capital of rural financial service practitioners,the implementation of pilot projects for the rural digital economy and smart agriculture with Chinese characteristics and the establishment of digital financial risk warning,mitigation and prevention mechanisms.
作者
王小华
张莹
胡大成
WANG Xiao-hua;ZHANG Ying;HU Da-cheng(Research Institute of Intelligent Finance and Digital Economics, Southwest University, Chongqing 400715;College of Economics and Management, Southwest University, Chongqing 400715)
出处
《江南大学学报（人文社会科学版）》
2021年第3期18-32,共15页
Journal of Jiangnan University：Humanities & Social Sciences Edition
基金
国家社科基金重点项目“建立解决相对贫困的制度体系与长效机制研究”(20AZD080)
国家社科基金青年项目“基于社会责任视角的农村金融服务乡村振兴战略研究”(19CJY031)
中央高校基本科研业务费专项资金创新团队项目“‘一带一路’倡议下的金融扶贫合作研究”(SWU2009105)。
关键词
数字金融
数字赋能
乡村振兴
高质量发展
digital finance
digital empowerment
rural revitalization
high-quality development
