首页|行业竞争生态视角下农村金融机构面临的经营压力与改革策略

行业竞争生态视角下农村金融机构面临的经营压力与改革策略

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乡村振兴背景下需要加强农村金融供给体系建设,推动农村金融关键供给主体在竞争机制下的优化发展具有重要意义.在行业竞争生态理论视角下,作为农村金融服务的关键主体,农村金融机构面临的市场竞争生态出现不稳定性冲击,其在竞争性变量中的相对表现水平存在不足,而这又与农村金融机构的经营管理体制和运营模式等结构性因素有关.在新形势下推动农村金融机构优化发展,需要在系统资源整合、业务模式创新、管理机制变革、数字水平提升、特色优势巩固等方面深化改革.
The Operational Pressure and Reform Strategies Faced by Rural Financial Institutions from the Perspective of Industry Competition Ecology
In the context of rural revitalization,it is necessary to strengthen the construction of the rural financial supply system and promote the optimized development of key rural financial supply entities under the competitive mechanism,which is of great significance.From the perspective of industry competition ecology theory,as key entities in rural financial services,rural financial institutions face unstable impacts in the market competition ecology,and their relative performance level in competitive variables is insufficient,which is related to structural factors such as the management system and operation mode of rural financial institutions.In the new situation,promoting the optimization and development of rural financial institutions requires deepening reforms in system resource integration,business model innovation,management mechanism reform,digital level improvement,and consolidation of distinctive advantages.

Rural Financial InstitutionsIndustry Competition EcologySupply Side Structural Reform

张壹帆、欧阳文杰、陆岷峰

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南京财经大学法学院,江苏南京 210046

铜陵学院金融学院,安徽铜陵 244061

上海大学上海科技金融研究所,上海 200444

农村金融机构 行业竞争生态 供给侧结构性改革

国家社会科学基金一般项目国家社会科学基金一般项目铜陵学院人文社科研究项目

21BJY02220BGL0092022tlxy21

2024

上海金融
上海市金融学会

上海金融

CSTPCDCHSSCD北大核心
影响因子:0.912
ISSN:1006-1428
年,卷(期):2024.(4)
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