农村金融高质量服务乡村振兴路径研究.pdfVIP

第43卷第2期 湖北科技学院学报 Vol. 43,No. 2 2023年4月 Journal of Hubei University of Science and Technology Apr. 2023 文章编号：2095-4654 (2023) 02-0034-07 农村金融高质量服务乡村振兴路径研究 周莎丽 (湖北科技学院 经济与管理学院，湖北 咸宁437100) 摘 要:农村贫困形成理论认为，农村投入资本缺乏、农村资源配置不平衡、农村人口教育的缺乏及 贫困代际传播广泛是农村贫困形成的主要原因 。可见，农村金融是有效实施乡村振兴战略的关键 力量 。然而 ，目前我国农村金融存在体系不完善、规模小、风险分担机制不健全、产品与服务同质化 等诸多不足,极大地限制了其在乡村振兴战略中的作用，严重影响了乡村振兴战略的顺利实施 。因 此，在总结国际经验的基础上，建议通过完善农村金融服务职能、增强农村金融风险防范能力、创新 农村金融产品与服务等，不断提升农村金融服务乡村振兴的质量。 关键词:农村金融 ；乡村振兴;金融服务；高质量服务;金融创新 中图分类号:F832. 43 文献标识码:A 开放科学(资源服务)标识码(OSID) : Study on the Strategic Path of Rural Revitalization of Rural Finance with High Quality Service ZHOU Sha-l (College of Economics and Management,Hube University of Science and Technology,Xianning,Hube 437100,China) Abstract: According to the theory of rural poverty formation, the main causes of rural poverty formation are lack of investment capital, unbalanced allocation of rural resources, lack of education of rural population and wide intergenerational transmission of poverty. It is obvious that rural finance is the key force to carry out the rural revital­ ization strategy effectively. However, at present our country rural finance existence system is not perfect, the scale is small, the risk sharing mechanism is not perfect, the product and the service homogeneity and so on many def ­ ciencies ,has limited its in the rural revitalization strategy greatly, it has seriously affected the smooth implementa­ tion of the rural revitalization strategy. Therefore, on the basis of summing up the international experience, it is sug­ gested that we should perfect the rural financial service function, strengthen the rural finan