县域农商银行怎样高质量发展普惠金融
How County-Level Rural Commercial Banks Can Achieve High-Quality Inclusive Finance Development
曹毅娜1
作者信息
摘要
普惠金融作为金融五篇大文章之一,已成为新时代金融体系中的一个高频热词.明确普惠金融的内涵,了解和推动普惠金融高质量发展,采取有效措施发展普惠金融,已经成为大多数县域农商银行面临的重要课题.本文以湖南省县域农商银行为例,从政策、市场和银行转型三个方面阐述了县域商业银行发展普惠金融的必要性,进一步剖析了湖南省县域农商银行普惠金融高质量发展面临的科技支撑落后、服务手段落后、农商银行自身基础薄弱、风控手段落后等主要困境.最后,建议从转型发展数字普惠金融、大力优化金融服务体系、改善金融软硬件环境、提升风险防控能力等四个方面入手大力推动普惠金融的发展.
Abstract
As one of the five major financial articles,inclusive finance has become a high-frequency buzzword in the financial system of the new era.Clarifying the connotation of inclusive finance,understanding and promoting the high-quality development of inclusive finance,and taking effective measures to develop inclusive finance have become important issues faced by most county-level rural commercial banks.This paper takes the county-level rural commercial banks in Hunan Province as an example,and expounds the necessity of county commercial banks to develop inclusive finance from three aspects:Policy,market,and bank transformation.It further analyzes the main difficulties faced by the high-quality development of inclusive finance in Hunan's county-level rural commercial banks,such as backward technological support,outdated service methods,weak foundations of rural commercial banks themselves,and outdated risk control measures.Finally,it is suggested to vigorously promote the development of inclusive finance from four aspects:Transforming to digital inclusive finance,vigorously optimizing the financial service system,improving the financial software and hardware environment,and enhancing risk control capabilities.
关键词
县域农商银行/数字普惠金融/支农支小/数字化转型/风险防控Key words
County-level rural commercial banks/Digital inclusive finance/Agricultural and small business support/Digital transformation/Risk control引用本文复制引用
出版年
2024
NETL
NSTL
万方数据