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谢伏瞻
    中国社会科学院学部委员,学部主席团主席,研究员,博士生导师。历任中国社会科学院院长、党组书记,国务院发展中心副主... 详情>>
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李培林
    男,汉族,出生于1955年5月,山东济南人,博士,研究员,全国人民代表大会社会建设委员会副主任委员,中国社会科学... 详情>>

    健全农村金融服务体系的难点及优化对策

    摘要

    健全农村金融服务体系是增强高质量农村金融供给的重要内容,对强化乡村振兴金融服务具有重要意义。中国基本建成了多层次、广覆盖的农村金融组织体系、产品体系和金融基础设施体系。但随着经济发展,中国农村金融需求发生较大变化,现有农村金融服务体系仍存在一些不完善之处,导致难以高水平地匹配农村经济社会发展的金融需求。在推进乡村振兴的背景下,需要进一步均衡发展农村金融组织体系,有针对性地创新农村金融产品体系,健全完善金融基础设施体系,以提升金融服务乡村振兴能力。

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    Abstract

    Improving rural financial service system is an important part of enhancing high-quality rural financial supply,which is of great significance for strengthening rural revitalization of financial services. China has basically built a multi-level and widely covered rural financial organization system,product system and financial infrastructure system. However,along with the economic development,China’s rural financial needs have changed greatly,and the existing rural financial service system still has room for improvement,resulting in difficulties in matching the financial needs of rural economic and social development at a high level. In the context of rural revitalization,it is necessary to further deepen the reform of rural financial service system by starting with the organizational system,product system and policy guarantee system,develop the rural financial service organizational system in a balanced way,innovate the rural financial product system in a targeted way,and improve the financial infrastructure system to improve the ability of financial service to rural revitalization.

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    作者简介
    田雅群:田雅群,经济学博士,中国社会科学院农村发展研究所助理研究员,研究方向为农村金融。
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