摘要
基于2025年中央一号文件“强化农村金融服务实体能力”的政策导向,以河南省农商行为研究对象,通过实地调研与数据分析,发现其存在以下问题:一是业务偏离服务“三农”定位,涉农贷款占比不足;二是产品同质化严重,缺乏适配乡村产业的特色化创新;三是基层网点人员专业素养与“三农”需求错配;四是数字化转型加剧农村“数字鸿沟”。对此,提出强化政策激励与监管协同、深化产权赋能与金融创新、完善专业化人才供给机制、构建包容性数字化转型路径等对策,旨在为农商行高质量发展提供理论参考与实践路径,助力乡村振兴战略实施。
Based on the policy orientation of the Central Document No.1 of 2025"Strengthening the ability of rural financial services to serve entities",taking the research object of rural business behavior in Henan Province,through field research and data analysis,it is found that there are the following problems:first,the business deviates from the positioning of serving"agriculture,rural areas"and the proportion of agriculture-related loans is insufficient;Second,the product homogenization is serious,and there is a lack of characteristic innovation suitable for rural industry;Third,the professional quality of grass-roots network personnel mismatch with the needs of agriculture,rural areas and farmers;Fourth,digital transformation intensifies the"digital divide"in rural areas.In this regard,countermeasures such as strengthening the coordination between policy incentives and supervision,deepening property rights empowerment and financial innovation,improving the supply mechanism of professional talents,and building an inclusive digital transformation path are proposed,aiming to provide theoretical reference and practical path for the high-quality development of rural commercial banks,and to assist in the implementation of rural revitalization strategies.
作者
翟文静
张清叶
刘睿
田玉莲
ZHAI Wenjing;ZHANG Qingye;LIU Rui;TIAN Yulian(School of Economics,Henan Institute of Technology,Xinxiang 453003,China)
出处
《河南工学院学报》
2025年第3期49-53,共5页
Journal of Henan Institute of Technology
基金
2023年度新乡市政府决策研究招标课题(B23011)
2025年度河南省哲学社会科学教育强省研究项目(2025JYQS0072)
2024年度新乡市政府决策研究招标课题(B24318)。
关键词
乡村振兴
农村商业银行
数字鸿沟
三农服务
rural revitalization
rural commercial banks
digital divide
services for agriculture,rural areas,and farmers
