甘肃省数字金融对农村信贷的影响研究  

Research on the Impact of Digital Finance on Rural Credit in Gansu Province

作　　者：吴美青 段小红[1] Meiqing Wu;Xiaohong Duan(Gansu Agricultural University,School of Economics and Management,Lanzhou,Gansu,730070,China)

机构地区：[1]甘肃农业大学经济与管理学院,甘肃兰州730070

出　　处：《管理科学与研究（中英文版）》2024年第10期30-34,共5页Management Science and Research

摘　　要：该研究概括了甘肃省在数字金融领域的演进路径、实践范畴及政策框架,探讨了农村信贷市场当前状态,具体涉及资金需求与供应的平衡、市场构成特征,以及制约其进步的障碍与挑战。通过深入分析,揭示了数字金融对于拓宽农村信贷体量、提速信贷处理效率及减少信贷风险的明显正面效应。据此,提出了一系列策略性建议,旨在促进数字金融与农村信贷业务的深度整合,并强调了强化数字金融监管体系与风险控制机制的重要性。This research report summarizes the evolution path,practical scope,and policy framework of digital finance in Gansu Province.It explores the current state of the rural credit market,specifically addressing the balance between funding demand and supply,market composition characteristics,and the obstacles and challenges that hinder progress.Through in-depth analysis,this study reveals the significant positive effects of digital finance on expanding the scale of rural credit,accelerating credit processing efficiency,and reducing credit risk.Accordingly,a series of strategic recommendations aimed at promoting the deep integration of digital finance and rural credit operations,while emphasizing the importance of strengthening the digital finance regulatory system and risk control mechanisms.

关 键 词：数字金融 农村信贷 信贷风险控制 政策建议 

分 类 号：F83[经济管理—金融学]