银行业数字普惠金融推进乡村振兴的实践研究:问题及纾解之策  

Practical Research on the Promotion of Rural Revitalization by Digital Inclusive Finance in the Banking Industry:Problems and Solutions

作　　者：潘锡泉[1] PAN Xiquan(Zhejiang Finance Vocational School,Hangzhou,Zhejiang 310018,China)

机构地区：[1]浙江金融职业学院,浙江杭州310018

出　　处：《金融教育研究》2023年第4期42-49,共8页Research of Finance and Education

基　　金：浙江省哲学社会科学规划项目“共同富裕的理论内涵、统计测度及实现路径研究”(22NDJC192YB);浙江省2022年度高校国内访问工程师校企合作项目“数字化金融推进乡村振兴实践研究”(FG2022118);浙江金融职业学院高水平科研创新团队建设项目“金融服务双循环研究团队”(2021ZD01)。

摘　　要：为更好地挖掘农村居民在致富过程中的金融诉求,客观地探究金融在推进全面乡村振兴实践中面临的主要问题,以农村居民对银行业数字普惠金融服务的可得性为例,通过问卷调研、实地访谈等方式,客观分析了乡村振兴实践中农村居民的数字普惠金融服务现状及存在的主要问题,并从强化理念引领,培植银行业金融机构数字普惠金融理念;完善政策机制,加快构筑银行业数字普惠金融服务体系;健全金融基础设施建设,提升乡村金融服务可达性;构筑数智化金融服务体系,推动乡村金融服务降本增效;设计品类丰富的数字普惠金融产品,创设多样化数字普惠金融应用场景;加大数字普惠金融宣传力度,筑牢乡村金融风险底线,以及推进乡村信用体系建设,营造“乡风文明”之风七个层面提出了银行业数字普惠金融推进乡村振兴的具体实施建议。In order to better explore the financial demands of rural residents in the process of getting rich,objectively explore the main problems faced by finance in the practice of promoting comprehensive rural revitalization;taking rural residents’availability of digital inclusive financial services in the banking industry as an example,through questionnaires,field interviews and other methods;this paper objectively analyzes the current situation and main problems of digital inclusive financial services for rural residents in the practice of rural revitalization.It also puts forward specific implementation suggestions of digital inclusive finance in banking industry to promote rural revitalization from seven aspects:strengthen concept guidance and cultivate the concept of digital inclusive finance for banking financial institutions;improve policy mechanisms and accelerate the establishment of a digital inclusive financial service system for the banking sector;improve the construction of financial infrastructure and enhance the accessibility of financial services in rural areas;build a digital-wise financial service system to promote rural financial services to reduce costs and increase efficiency;design a variety of digital inclusive financial products and create a variety of digital inclusive financial application scenarios;increase the publicity of digital financial inclusion and strengthen the bottom line of rural financial risks;and promote the construction of rural credit system,build the wind of“village style civilization”.

关 键 词：乡村振兴 数字普惠金融 调查研究 金融机构 

分 类 号：F832.35[经济管理—金融学] F320.3