我国农村金融服务体系建设“十四五”进展与“十五五”展望  

China’s Rural Financial Service System Construction:Achievements in the 14th Five-Year Plan and Prospects for the 15th Five-Year Plan

作　　者：吴本健[1] 罗兴 Wu Benjian;Luo Xing

机构地区：[1]中央民族大学经济学院,北京100081 [2]郑州大学商学院,河南郑州450001

出　　处：《中州学刊》2025年第4期48-56,共9页Academic Journal of Zhongzhou

基　　金：国家社会科学基金青年项目“场景嵌入导向的农村数字普惠金融创新研究”(21CJY003);国家自然科学基金面上项目“数字普惠金融与脱贫家庭的发展韧性:理论反思、机制分析与路径优化”(72473173)。

摘　　要：健全农村金融服务体系是推动乡村全面振兴和建设中国特色现代金融体系的必要一环。“十四五”期间,我国农村金融在组织和产品体系建设、金融科技赋能、基础设施建设、政策支持和监管完善等供给侧方面进行了一系列改革,提升了金融服务乡村全面振兴和城乡融合发展的能力和质效。但农村金融发展仍面临诸多挑战,金融供给与新需求适配性不强、组织体系内部缺乏分工协同、科技支撑能力不足、政策支持协同性不强、金融风险防控机制不健全等问题日益凸显。“十五五”时期,农村金融服务体系建设仍需在适应乡村全面振兴新需求、继续健全组织和产品体系、强化科技支撑和金融基础设施建设、加强财政金融政策和农业政策的协同、完善风险防控和监管机制以及加强农村金融工作的组织领导等方面继续发力。Improving the rural financial service system is a necessary part of promoting the comprehensive rural revitalization and building a modern financial system with Chinese characteristics.During the 14th Five-Year Plan period,China’s rural finance has undergone a series of reforms on the supply side,including organizational and product system construction,financial technology empowerment,infrastructure construction,policy support,and regulatory improvement,which have enhanced the capacity and effectiveness of financial services in supporting comprehensive rural revitalization and urban-rural integration.However,the development of rural finance still faces numerous challenges,such as weak adaptability between rural financial supply and new demands,lack of division of labor and collaboration within the organizational system,insufficient technological support capabilities,weak policy support coordination,and inadequate financial risk prevention and control mechanisms.During the 15th Five Year Plan period,the construction of the rural financial service system still needs to continue to adapt to the new needs of comprehensive rural revitalization,continue to improve the organization and product system,strengthen technological support and financial infrastructure construction,enhance the coordination between fiscal and agricultural policies,improve risk prevention and regulatory mechanisms,and strengthen the organizational leadership of rural financial work.

关 键 词：农村金融服务体系 科技赋能 乡村振兴 未来展望 

分 类 号：F832.3[经济管理—金融学]