摘要
金融是现代经济的核心,深化农村金融改革,健全农村金融服务体系,对于推动农村经济高质量发展、缩小城乡差距、促进共同富裕具有重大意义。本文认为,按照金融功能观,农村金融发展促进共同富裕的关键在于疏通“促进收入增长、拓宽收入来源、平滑收支波动、减缓重大冲击”四大机制。本文基于“农村金融供需联动框架”,分别探讨了未来10~15年我国农村金融供给和需求变化的重大趋势,并在此基础上,从四个方面提出了深化农村金融改革、促进农村金融供求适配和均衡发展的政策建议。
Finance is at core of modern economy.Deepening reform of rural finance and strengthening rural financial system are of significance for high quality development of rural economy,narrowing the gap between urban and rural areas and promoting common prosperity.Based on the financial function view,this paper argues that the key issue is to streamline four transmission mechanisms of rural finance promoting common prosperity,including supporting income growth,expanding income sources,smoothing income and expenditure volatility,and mitigating severe shock.This paper develops an analytic“Rural Finance Supply-Demand Co-Movement Framework”,thoroughly explores the evolution trend of both supply and demand of rural finance in the coming 10-15 years,and concludes with four policy recommendations to deepen rural finance reform and enhance adaptability and equilibrium development between supply and demand of rural finance.
出处
《金融监管研究》
CSSCI
北大核心
2023年第8期1-21,共21页
Financial Regulation Research
关键词
农村金融
共同富裕
金融发展
金融需求
金融供给
Rural Finance
Common Prosperity
Financial Development
Financial Needs
Financial Supply
