普惠金融视角下农村金融服务体系优化策略探讨  

Discussion on Optimization Strategy of Rural Financial Service System under the Perspective of Financial Inclusion

作　　者：林栋 冯超 Dong Lin;Chao Feng(Lanzhou University of Finance and Economics,Lanzhou,Gansu 730101)

机构地区：[1]兰州财经大学,甘肃兰州730101

出　　处：《金融界》2025年第1期17-32,共16页

摘　　要：在全球经济格局持续演变的当下,普惠金融作为一种旨在为社会各阶层提供公平、可及金融服务的理念,正深刻影响着各国金融体系的变革与发展。我国作为农业大国,农村经济在国民经济中占据关键地位。然而,长期以来,农村金融服务体系存在诸多短板。在此背景下,从普惠金融视角探讨农村金融服务体系的优化策略具有重要的现实意义。这不仅关乎农村经济的稳健增长,助力乡村振兴战略的实施,更对缩小城乡差距、促进社会公平具有深远影响。本研究将深入剖析现存问题,借鉴成功经验,探索切实可行的优化路径,以期为我国农村金融服务体系的完善提供有益参考。At a time when the global economic landscape continues to evolve,inclusive finance,as a concept aimed at providing fair and accessible financial services for all social classes,is profoundly influencing the change and development of the financial systems of various countries.As a large agricultural country,China's rural economy occupies a key position in the national economy.However,for a long time,there are many shortcomings in the rural financial service system.In this context,it is of great practical significance to explore the optimization strategy of rural financial service system from the perspective of inclusive finance.This is not only related to the sound growth of the rural economy and the implementation of the rural revitalization strategy,but also has a far-reaching impact on narrowing the urban-rural gap and promoting social equity.This study will deeply analyze the existing problems,draw on successful experiences,and explore practical optimization paths,with a view to providing useful references for the improvement of China's rural financial service system.

关 键 词：普惠金融 农村金融体系 优化 

分 类 号：F832.35[经济管理—金融学]