乡村振兴背景下的农村金融服务体系建设  

Rural Financial System Construction Under the Background of Rural Revitalization

作　　者：郏彬 唐恩宁 滕飞[3] Jia Bin;Tang Enning;Teng Fei

机构地区：[1]北京大学经济学院 [2]北京大学新结构经济学研究院 [3]北京大学光华管理学院

出　　处：《开发性金融研究》2024年第3期25-33,共9页Development Finance Research

摘　　要：建设农村金融服务体系是全面推进乡村振兴的重要发力点,但目前农村金融服务仍然存在需求不足的问题。关于农村金融体系建设的理论分歧在于:应该将农村金融作为一个特殊的政策性问题、由政府政策扶持发展,还是与城镇金融体系逐渐接轨、按照市场化原则运行。本文的分析表明,农村金融需求不足的根源在于供给侧的结构性和制度性短板。发展农村金融体系需要市场和政府同时着力,一方面需要增强市场在农村金融资源配置的决定性作用,培育和激活市场主体的内生动力;另一方面可以在农村金融基础设施,尤其是信用体系、信息披露制度和金融教育等方面加大投入,更好地发挥政府作用。本文为进一步提升农村金融服务体系、推动乡村振兴战略的实现提供了学理分析和政策参考。The construction of rural financial service system is an important point to comprehensively promote rural revitalization,but there is a problem of insufficient demand for rural financial services.The analysis of this paper shows that the root cause of the lack of rural financial demand lies in the structural and institutional shortcomings of the supply side,and the development of rural financial system needs the efforts of both the government and the market.It is important to strengthen the decisive role of the market in the allocation of rural financial resources,and to cultivate and activate the internal power of market players.At the same time,the government can increase investment in the credit system,information disclosure system and financial education.This paper provides theoretical analysis and policy reference for further improving rural financial service system and promoting the realization of rural revitalization strategy.

关 键 词：乡村振兴 农村金融 农业强国 金融基础设施 市场化改革 

分 类 号：F323[经济管理—产业经济] F832