多重驱动下农村金融机构实施数字化转型的路径探索
石洋洋 1唐文婷1
作者信息
- 1. 信阳农林学院 物流与电商学院,河南 信阳 464000
- 折叠
摘要
数字普惠金融是推进数字乡村建设与乡村经济高质量发展的重要途径,在政策、技术、市场等多重因素驱动作用下,农村金融机构实施数字化转型势在必行.然而,机构转型面临战略风险大、数字创新能力低、业务技术融合不深等诸多挑战,严重制约其通过数字金融支撑农村经济发展.因此,该文依据农村金融机构发展现状挖掘实施数字化转型的风险、困境与短板,探索成功实施数字化转型的路径,旨在为农村金融机构成功转型推进农村产业经济发展提供参考建议.
Abstract
Digital inclusive finance is an important way to promote the construction of digital rural areas and the high-quality development of rural economy.Driven by multiple factors such as policies,technology,and markets,it is imperative for rural financial institutions to implement digital transformation.However,institutional transformation faces many challenges such as high strategic risks,low digital innovation capabilities,and insufficient integration of business and technology,which seriously restrict its ability to support rural economic development through digital finance.Therefore,based on the current development status,this article explores the risks,difficulties,and shortcomings of implementing digital transformation,and explores the path for rural financial institutions to successfully implement digital transformation.The aim is to provide reference suggestions for rural financial institutions to successfully transform and promote the development of rural industrial economy.
关键词
农村金融机构/数字化转型/数字金融/多重驱动/路径探索Key words
rural financial institution/digital transformation/digital finance/driven by multiple factors/path exploration引用本文复制引用
基金项目
河南省社科联调研课题(2023)(SKL-2023-2472)
信阳市哲学社会科学规划项目调研课题(2023)(2023JJ034)
出版年
2024
国家科技期刊平台
NSTL
万方数据