金融科技赋能乡村振兴:国际经验、中国案例与启示  

Fintech Enables Rural Revitalization:International Experiences,China Cases and Inspiration

作　　者：陈继明[1] 朱睿博 Chen Jiming;Zhu Ruibo

机构地区：[1]中国人民银行研究局,北京100800 [2]中国人民银行成都分行,四川成都610041

出　　处：《西南金融》2022年第12期94-104,共11页Southwest Finance

基　　金：中国人民银行金融科技研究课题“金融科技推动乡村数字化建设的路径研究”阶段性成果。

摘　　要：金融科技在“三农”领域的应用不断深化,目前已从提供基础金融服务逐步扩展到农村清洁能源使用、定制化服务、低碳农业生产、智能投顾等诸多场景。本文总结了国际上金融科技支持“三农”、普惠金融发展等方面的应用案例和国内金融科技赋能乡村振兴的实践探索,以及“政府+市场”“线上+线下”普惠+绿色/科创“创新+风险防范”等金融科技赋能乡村振兴的经验启示。最后,本文从加强基础设施建设、提高商业可持续性、丰富应用场景、建设金融科技伦理治理体系等方面提出了建议。The applications of Fintech in the fields of"agriculture,rural areas and farmers"are deepening,and have gradually expanded from the provision of basic financial services to the use of rural clean energy,customized services,low-carbon agricultural production,robo-advisor and many other scenarios.This paper summarizes the international application cases of Fintech supporting the development of"agriculture,rural areas and farmers"and inclusive finance,as well as the domestic practical explorations of Fintech enabling rural revitalization.Based on this,the experiences and inspirations of"government+market""online+offline""inclusive+green/scientific innovation""innovation+risk prevention"and other Fintech enabling rural revitalization are induced.Finally,this paper puts forward suggestions from four aspects,including strengthening infrastructure construction,improving business sustainability,enriching application scenarios,and building Fintech ethical governance system.

关 键 词：金融科技 乡村振兴 普惠金融 绿色金融 科创金融 数字乡村 数字普惠金融 绿色农业 

分 类 号：F830[经济管理—金融学]