金融科技视域下农村商业银行发展创新路径研究  

Research on the Development and Innovation Path of Rural Commercial Banks from the Perspective of Financial Technology

作　　者：叶陈毅 杨蕾 管晓 Ye Chenyi;Yang Lei;Guan Xiao(Natural Resources Asset Capital Research Center,Hebei GEO University,Shijiazhuang 050031,China;School of Management,Shenyang University of Technology,Shenyang 110870,China;School of Management,Beijing Forestry University,Beijing 100091,China)

机构地区：[1]河北地质大学自然资源资产资本研究中心,河北石家庄050031 [2]沈阳工业大学管理学院,辽宁沈阳110870 [3]北京林业大学管理学院,北京100091

出　　处：《当代经济管理》2023年第8期80-89,共10页Contemporary Economic Management

基　　金：国家自然科学基金项目《企业公民、信用治理及其评价体系研究——基于企业社会责任的视角》(70772008);河北省高校百名优秀创新人才计划项目《企业信用治理结构、评估系统与机制创新研究》(CPRC049)。

摘　　要：最新前沿科学技术驱动下的金融科技可重塑农村金融服务模式,破解农村商业银行的现实困境,推动金融机构发展创新。文章基于金融科技和农村商业银行深度结合的视角,探究其融合过程中面临的现实困境以及问题成因,并提出农村商业银行发展创新的优化路径。首先,界定金融科技与农村商业银行发展创新的内涵和外延,阐述二者的互动关系和内在联系;其次,辨识金融科技和农村商业银行发展创新的协同运行机理,研究金融科技赋能农村商业银行转型升级治理机制如何守正出新;再次,揭示金融科技在农村商业银行发展创新中的特有价值,透析该情形下农村商业银行变革求新面临的实际问题以及瓶颈根源;最后,拟定农村商业银行深化机构改革与发展创新的实现路径,以推动农业金融服务体制优化和农村经济高质量发展。Financial technology driven by the latest cutting-edge science and technology can reshape the rural financial service mode,solve the practical difficulties of rural commercial banks and promote the development and innovation of financial institutions.From the perspective of the deep integration of financial technology and rural commercial banks,this paper discusses the practical difficulties and the causes of the problems in the process of integration,and puts forward the optimal path for the development and innovation of rural commercial banks.Firstly,it defines the connotation and extension of financial technology and the development and innovation of rural commercial banks,and expounds the interactive relationship and internal relationship between them.Secondly,this paper identifies the cooperative operation mechanism of financial technology and development and innovation of rural commercial banks,and studies how financial technology can make the transformation and upgrading of rural commercial banks’governance mechanisms.Once again,this paper reveals the unique value of financial technology in the development and innovation of rural commercial banks,and analyzes the practical problems and the root causes of the bottlenecks faced by rural commercial banks in this situation.Finally,this paper puts forward the realization path of deepening the system reform and development innovation of rural commercial banks so as to promote the optimization of agricultural financial service system and the high-quality development of rural economy.

关 键 词：金融科技 乡村振兴 农村商业银行 金融服务体系 发展创新路径 

分 类 号：F832.35[经济管理—金融学]