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数字化金融服务助力乡村振兴

文章摘要

党的二十大擘画了以中国式现代化全面推进中华民族伟大复兴的宏伟蓝图,对全面推进乡村振兴做出了总体部署。在全球全面推进数字化转型的今天,数字经济已然成为助推乡村振兴发展的重要途径之一。金融机构特别是农村中小银行作为农村金融服务的主力军,更需要建立数字化金融服务体系,为乡村振兴注入新动力。本文围绕数字经济,分析金融机构在服务乡村振兴领域的应对措施,通过各类型商业银行数字经济助力乡村振兴的实际案例,论证数字经济在乡村振兴领域的积极作用,并根据其在推广实践中发现的问题提出进一步发展的政策建议。

Abstract

The 20th National Congress of the Communist Party of China(CPC)has drawn up a grand blueprint for the great rejuvenation of the Chinese nation by comprehensively promoting Chinese-style modernisation,and has made overall arrangements for fully promoting rural revitalisation. In the contemporary global context,where digital transformation is being comprehensively promoted worldwide,the digital economy has indeed become one of the important means to promote the development of rural revitalisation. For certain financial institutions,especially small and medium-sized banks in rural areas,which play a key role in the provision of rural financial services,there is a heightened need to more diligently build a digital financial services system. This is crucial for the further development of rural revitalisation. This dissertation will analyse the corresponding strategies of financial institutions in the field of rural revitalisation from the perspective of the digital economy. Furthermore,this dissertation will also use real cases of different types of commercial banks that have used the digital economy to support rural revitalisation to substantiate the positive influence of the digital economy in this area. Finally,based on the problems encountered in its promotion and practical application,the recommended policy will be proposed for further development.

作者简介
张忠向:张忠向,中安联合投资集团有限公司博士后,青岛农商银行金融市场中心总经理,主要研究方向为宏观经济、商业银行管理、金融市场、数字经济。
隋荣浩:隋荣浩,伦敦大学学院硕士研究生,主要研究方向为信息经济、数字金融。
王瑶:王瑶,中国社会科学院金融研究所博士后,主要研究方向为国际金融、数字金融。