金融科技、授信方式改进与涉农金融机构普惠能力提升  

Fin-Tech, Agriculture-Related Financial Institution’s Credit Granting Methods and Inclusive Ability Improving

作　　者：李明贤[1] 陈铯[1] LI Ming-xian;CHEN Se(School of Economics,Hunan Agricultural University,Changsha 410128,China)

机构地区：[1]湖南农业大学经济学院,湖南长沙410128

出　　处：《经济体制改革》2021年第2期88-94,共7页Reform of Economic System

基　　金：国家自然科学基金面上项目“金融科技促进农村普惠金融发展的机理及实现路径研究”(72073043);湖南省教育厅重点科研项目“农村普惠金融发展中金融科技的作用机理研究”(19A230);湖南省研究生科研创新项目“金融科技提升农村金融机构普惠能力的效果研究”(CX20200666)。

摘　　要：农村金融机构和涉农互联网银行,作为不同类型的涉农金融机构在客户授信上面临着痛点。通过金融科技各项技术的运用,涉农金融机构在授信方式的信用评价、调查技术和风险监测等方面具备了改进的优势。目前,无论是传统农村金融机构还是涉农互联网银行,都需要通过跨界合作对授信方式进行商业可持续的有效改进,才能提升涉农金融机构的普惠能力。因此,在基于需求导向进行差异化产品创新和跨界合作的同时,还需通过加强信用和科技基础设施建设以及法律法规的配套完善、强化监管、防范技术创新带来的漏洞等,进一步改进涉农金融机构授信方式,可持续地提升涉农金融机构的普惠能力。As different types of agriculture-related financial institutions,the rural financial institutions and agricultural internet bank face the pain. The use of financial technologies help agriculture-related financial institutions gain the advantages of credit evaluation, survey technology and the way of improving risk monitoring, etc. Now all kinds of agriculture-related financial institutions need to obtain the cross-border cooperation mode of sustainable and effective credit business to improve their inclusive ability. In addition, based on the demand of oriented differentiation of product innovation and cross-border cooperation, governments also need to help strengthen the construction of credit and technology infrastructure, improve laws and regulations, strengthen supervision, so as to prevent technology innovation brings a loophole, and improve agriculture-related financial institutions credit and sustainable inclusive ability.

关 键 词：金融科技 授信方式 涉农金融机构 普惠能力 

分 类 号：F832.5[经济管理—金融学]