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乡村振兴背景下农村普惠金融发展的制度出路

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农村普惠金融是乡村振兴战略背景下至关重要的一环,其长期发展不足需要从制度保障的视角去支持和引导.我国农村普惠金融制度整体上存在着价值理念空虚、具体制度缺失及监管不足等问题,严重阻碍了农村普惠金融的发展.我国应以普惠金融的价值目标为核心愿景,明确农村普惠金融制度的价值理念,制定普惠金融基本法,逐步完善农村普惠金融专项调整制度,如征信制度、监管制度及建立对农村居民的金融教育和保护制度等,为我国农村普惠金融的深入发展提供制度支撑,以推动乡村振兴战略的实施.
Institutional Solutions to the Development of Inclusive Finance in the Rural Areas Under the Background of Rural Revitalization
Rural inclusive finance is a crucial link in the context of the rural revitalization strategy,and its long-term underdevelopment needs to be supported and guided from the perspective of institutional guarantee,China's rural inclusive financial system as a whole suffers from the problems of empty value concepts,lack of specific systems and insufficient supervision,which seriously impede the development of rural inclusive finance.China should take the value goal of inclusive finance as the core vision,clarify the value concept of the rural inclusive finance system,formulate the basic law of inclusive finance,and gradually improve the special adjustment system of rural inclusive finance,such as the credit investigation system,the regulatory system and the establishment of the financial education and protectionsystem for rural residents,in order to provide institutional support for the in-depth development of China's rural inclusive finance and promote the implementation of the strategies for the rural revitalization.

rural revitalizationrural inclusive financeinstitutional improvement

彭晓娟、谢霞

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信阳师范大学法学与社会学学院,河南信阳 464000

乡村振兴 农村普惠金融 制度完善

国家社会科学基金青年项目

17CFX031

2024

金融理论与教学
哈尔滨金融学院

金融理论与教学

CHSSCD
影响因子:0.308
ISSN:1004-9487
年,卷(期):2024.42(1)
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