鄉(xiāng)村振興背景下農村金融發(fā)展路徑研究

中圖分類號：F832.35 文獻標志碼：A 文章編號：2096-9902（2025）14-0119-04

Abstract：Asthecoreengineforpromotinghigh-qualitydevelopmentoftheruraleconomy，ruralfinanceplaysanimportant supportingroleintheimplementationoftheRuralRevitalizationStrategy.However，theruralfinancialsystemfacespractical obstaclessuchaspoorawarenessofactiveservice，smallcoverageofinclusivefinane，lackoffinancialtechnolgytalents，and fewertypesoffinancialproducts.Afteranalyzingthedevelopmentdificultiesofruralfinanceindetail，thedevelopmentpathof ruralfinanceisdiscussedfromtheaspectsofserviceawareness，producttypes，riskcontrolsystem，talentrecruitment，and financingmechanism.Practicehasshownthatimprovementstrategiessuchasimprovingserviceawarenes，innovating product types，establshingriskcontrolsystems，extensivelyrecruitingtalents，andoptimizingfinancingmechanismscanhelpruralfinance develop better and provide strong financial support for rural revitalization.

Keywords：rural revitalization;rural finance;financial technology;inclusive finance;digital technology

農村金融是我國金融體系中的重要組成部分，可為農村地區(qū)提供儲蓄、貸款、投資和農業(yè)保險等金融服務，有利于紓解農村在產業(yè)和經濟發(fā)展過程中的資金壓力，提高農村居民開展農業(yè)生產的積極性和收益，是鄉(xiāng)村振興的重要支撐。（剩余6904字）