农村银行服务创新对农村金融发展的影响研究  

Research on the Impact of Rural Bank Service Innovation on Rural Financial Development

作　　者：王书贞 WANG Shuzhen(Shandong Rural Credit Union,Jinan 250014,China)

机构地区：[1]山东省农村信用社联合社,山东济南250014

出　　处：《商业观察》2024年第1期41-44,共4页BUSINESS OBSERVATION

摘　　要：文章旨在探讨农村银行服务创新对农村金融发展的影响,并提出相关政策建议。通过文献综述和定性分析,发现农村银行服务创新可以增加农村金融的普惠性和便利性,满足多样化的金融需求,有助于推动农村经济发展和脱贫攻坚。此外,服务创新还可以提高风险管理和合规能力,推动农村金融机构的转型升级和可持续发展。基于研究结果,文章提出了政府加强政策支持、农村银行加强人才培养和管理,以及完善农村金融市场竞争机制等建议。未来的研究可扩大样本范围、采用定量分析方法,并探讨其与其他农村金融因素的相互作用,以提供更科学的决策参考。This study aims to explore the impact of rural bank service innovation on rural financial development and provide relevant policy recommendations.Through literature review and qualitative analysis,it shows that innovation in rural banking services can promote the inclusiveness and convenience of rural finance,meet diversified financial needs,and help promote rural economic development and poverty alleviation.In addition,service innovation can also improve risk management and compliance capabilities,promote the transformation,upgrading,and sustainable development of rural financial institutions.Based on the research results,the paper proposes suggestions such as strengthening government policy support,strengthening talent cultivation and management in rural banks,and improving the competition mechanism in rural financial markets.Future research can expand the sample range,adopt quantitative analysis method,and explore the interaction with other rural financial factors to provide more scientific decision-making reference.

关 键 词：农村银行 服务创新 农村金融发展 政策建议 可持续发展 

分 类 号：F274[经济管理—企业管理]