首页|城乡融合视角下的农村金融发展:使命变化、局限突破与创新方向

城乡融合视角下的农村金融发展:使命变化、局限突破与创新方向

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城乡融合发展是实现共同富裕的必经之路,与时偕行的农村金融创新发展是实现城乡融合发展的基础和关键,是推进乡村振兴战略的客观要求和重要组成部分,是新常态下农业农村经济发展的新增长点,也是解决"三农"问题的重要理论切入点之一.本文通过对传统农村金融发展理论的梳理和反思发现,仅在传统农村金融理论指导下的中国农村金融发展存在结构不完整、风控不完善、金融科技融入不足、系统环境尚未建立及面临着区域、行业、技术和领域局限等问题.故基于城乡融合发展视角下的农村金融发展使命转变,本文对农村金融发展的内涵和重点、支持领域及农村金融与城市金融的关系等问题进行了与时俱进的理论思考.基于多方位多层次的理论探索和实践总结证实,通过以构建城乡一体的价值链金融制度,促进现代农业发展和产业兴旺为重点,借助数字化的金融信息和科技手段以及农村资源资本化等方式,进行系统性、整体性和协同性的农村金融创新发展是实现城乡融合发展和乡村振兴的有效途径.
Rural Financial Development from the Perspective of Integrated Urban-rural Development:Mission Change,Limitation Breakthrough and Innovation Direction
Integrated urban-rural development is an essential way to achieve common prosperi-ty.The innovative development of rural finance that keeps pace with the times is the foundation and key to achieve integrated development of urban and rural areas,an objective requirement and an important component of promoting the strategy of rural revitalization,a new growth point for the development of the agricultural and rural economy under the new normal,and one of the necessary theoretical entry points to solve the problem of issues relating to agriculture,rural areas,and rural people.Through combing and reflecting on the traditional rural financial development theory,this study finds that China's rural finan-cial development under the guidance of classical rural finance theory has some problems,such as incom-plete structure,lagging risk control,insufficient integration of financial technology,unaccomplished system environment,as well as limitations in regions,industries,technologies,and fields.Therefore,based on the transformation of the mission of rural finance development from the perspective of integrat-ed urban-rural development,this paper makes theoretical reflections on the connotation and focus of ru-ral financial development,support fields,and the relationship between rural finance and urban fi-nance.Based on multifaceted and multi-level theoretical exploration and practical summary,it is found that by building a financial system that integrates urban and rural value chains,promoting modern agri-cultural development and industrial prosperity,using digital financial information and technological means,as well as the capitalization of rural resources,then to carry out systematic,holistic and coordina-ted rural financial innovation and development,which are conducive to effectively realizing integrated urban-rural development and rural revitalization.

Integrated urban-rural developmentRural financial developmentTheoretical innova-tionLimitation breakthroughRural revitalization

陈一明、李敬

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重庆工商大学经济学院,重庆,400067

重庆工商大学长江上游经济研究中心,重庆,400067

城乡融合 农村金融发展 理论创新 局限突破 乡村振兴

国家社会科学基金重点项目重庆工商大学高层次人才科研启动项目

19AJY0162255018

2024

农业经济问题
中国农业经济学会 中国农业科学院农业经济与发展研究所

农业经济问题

CSTPCDCSSCICHSSCD北大核心
影响因子:3.177
ISSN:1000-6389
年,卷(期):2024.(1)
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