摘要
随着我国人口老龄化程度不断加深,农村地区的老龄化问题尤为突出,这对农村金融服务体系提出了新的挑战。党的二十大报告亦深刻指出,完善农村金融服务体系对于乡村振兴至关重要,农村金融服务已成为推动现代农业经济高质量发展征程中不可或缺的核心力量。本文基于社会老龄化背景,分析当前农村金融服务面临的主要问题,包括服务供给不足、金融产品单一、基础设施薄弱、风险防范能力不足等,并从政策、市场、技术等角度探讨其成因。在此基础上,提出完善农村金融组织体系、创新适老化金融产品、加强基础设施建设、健全风险防范机制等应对策略,以提升农村金融服务的适老性和普惠性,促进农村经济社会的可持续发展。
With the continuous deepening of population aging in China,the aging problem in rural areas is particularly prominent,which poses new challenges to the rural financial service system.The report of the 20th National Congress of the Communist Party of China also profoundly pointed out that improving the rural financial service system is crucial for rural revitalization,and rural financial services have become an indispensable core force in the journey of promoting the high-quality development of modern agricultural economy.Based on the background of social aging,this paper analyzes the main problems currently faced by rural financial services,including insufficient service supply,single financial products,weak infrastructure,and insufficient risk prevention capabilities,and explores their causes from the perspectives of policy,market,and technology.On this basis,it proposes countermeasures such as improving the rural financial organization system,innovating age-friendly financial products,strengthening infrastructure construction,and perfecting risk prevention mechanisms to enhance the age-friendliness and inclusiveness of rural financial services and promote the sustainable development of rural economy and society.
作者
朱倩
Qian Zhu(School of Humanities and Social Sciences,Nanjing Forestry University,Nanjing Jiangsu)
出处
《老龄化研究》
2025年第8期799-804,共6页
Aging Research
关键词
社会老龄化
农村金融
农村金融服务
问题与应对策略
Social Aging
Rural Finance
Rural Financial Services
Problems and Countermeasures
