期刊论文

中文

社会科学

0257-5833

2022

CSSCIAMI

6

128-136

国家社会科学基金一般项目“可持续性金融扶贫模式构建研究”(项目编号:18BJY160)的阶段性成果。

本校为第一机构

普惠金融高质量发展是扎实推进乡村振兴和实现共同富裕的重要基础,但信息不对称问题依然是普惠金融高质量发展的难点,"普惠金融+社区治理"是我国农村普惠金融高质量发展的新思路."普惠金融+社区治理"以农村信用建设为纽带,形成农村信息搜集的新途径,有利于解决普惠金融高质量发展中的"信用"难点问题,能够间接借助于有效的社区治理促进普惠金融高质量发展.为持续推进"普惠金融+社区治理"的新思路,政府和银行应该加强"互信"机制建设;金融机构要深入农村,与农户实现信息互通;金融服务要嵌入社会民生,同时也需要在理念创新、人才培养和制度完善等方面做好保障,促进普惠金融高质量发展.

The high-quality development of Inclusive Finance in rural areas is an important foundation for the realization of rural revitalization and common prosperity, but the problem of information asymmetry lies still in the difficulty of the high-quality development of Inclusive Finance. “Inclusive Finance + Community Governance” is a new idea for the high-quality development of rural Inclusive Finance in China;“Inclusive Finance + Community Governance” is a new way of rural information collection, taking rural credit construction as the link,whi...