完善农村金融服务体系

Core Viewpoint - The central economic work meeting emphasizes the importance of rural revitalization and urbanization, highlighting the need for financial support to facilitate these initiatives [1] Group 1: Financial Support for Rural Revitalization - The People's Bank of China and the Ministry of Agriculture and Rural Affairs have issued guidelines to enhance financial services for rural reform and comprehensive rural revitalization [1] - Rural financial services are identified as a weak link in China's financial system, facing challenges such as small operating scales of farmers, lack of collateral, and insufficient credit history [1] Group 2: Innovative Financial Services - Financial institutions must adapt their service models to the rural context, moving away from urban-centric approaches to better understand and meet the needs of rural markets [2] - Building a rural credit system is essential, requiring collaboration among financial institutions and local authorities to create a shared information platform for farmers [2] Group 3: Role of Financial Technology - The development of financial technology is crucial for improving rural financial services, enabling institutions to leverage tools like IoT, AI, and big data to assess borrower information and manage risks effectively [3] - There is a need for regulatory support to enhance the liquidity of rural assets and facilitate the establishment of platforms for property rights transactions and financing services [3]