中国式现代化背景下对于农村地区发展共享金融的思考  

Reflections on the Development of Shared Finance in Rural Areas in the Context of Chinese Modernization

作　　者：陈方[1] Chen Fang(Rural Development Institute,Chinese Academy of Social Science,Beijing 100732,China)

机构地区：[1]中国社会科学院农村发展研究所,北京100732

出　　处：《当代经济管理》2023年第9期90-96,共7页Contemporary Economic Management

摘　　要：文章通过梳理和归纳共享金融的内涵和逻辑框架,分析了农村地区发展共享金融对实现中国式现代化的意义。研究发现:面对中国式现代化对农村金融提出的新发展要求,农村地区发展共享金融能创新机制并提升市场竞争度,提高覆盖程度,解决“交易难”的问题;通过数据挖掘减少信息不对称,有利于控制农村金融风险;金融科技可以降低农村融资成本,一定程度上解决“交易贵”的问题;金融市场交易多方共生共荣,实现金融领域的价值再分配;共享金融的超地理特征有利于实现城乡之间金融要素自由流动和公平交换;共享金融还有利于提高绿色金融覆盖面,促进农业转型升级。文章提出了农村地区发展共享金融的四个重点任务,即应在明确市场准入标准和增加市场竞争的前提下,打造传统农村金融机构与共享金融平台之间的共享合作关系,联合政府、企业、金融机构、征信机构等协同共建一体化农村征信体系,针对共享金融发展的新领域、新特征采取多种举措防范金融风险。By sorting out and summarizing the connotation and logical framework of shared finance,this paper analyzes the significance of developing shared finance in rural areas to achieve Chinese path to modernization.The research finds that in the face of the new development requirements of Chinese path to modernization for rural finance,rural areas developing shared financial can innovate mechanisms,improve market competition,improve coverage,and solve the problem of“transaction”difficulty;reducing information asymmetry through data mining is beneficial for controlling rural financial risks;financial technology can reduce the cost of rural financing and to some extent solve the problem of“expensive transactions”;value redistribution in the financial field is done through multi party symbiosis and co prosperity in financial market;the cross-geographical characteristics of shared finance are conducive to the free flow and fair exchange of financial elements between urban and rural areas;it is also conducive to improving the coverage of green finance and promoting agricultural transformation and upgrading.The article proposes the following key tasks for the development of shared finance in rural areas,namely,to create a shared and cooperative relationship between traditional rural financial institutions and shared financial platforms while clarifying market access standards and increasing market competition;to jointly build an integrated rural credit system through the collaboration of governments,enterprises,financial institutions,credit reporting institutions,and other organizations;at the same time,to adopt proper measures to prevent financial risks targeting at the new areas and new features of shared finance development.

关 键 词：中国式现代化 共享金融 农村金融创新 

分 类 号：F323[经济管理—产业经济] F832