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金融科技赋能乡村振兴新路径
Jiang Nan Shi Bao· 2025-08-26 14:01
传统农村金融服务面临着服务覆盖面窄、效率低下、风险控制难等多重挑战。金融科技以其高效、便 捷、普惠的特点,为破解农村金融服务难题提供了新路径。 在服务渠道的拓展上,传统农村金融服务主要依赖物理网点,而偏远地区网点布局不足,导致服务难以 覆盖。金融科技通过移动支付、网上银行、手机银行等数字化渠道,打破了地理限制,使农村居民能够 随时随地享受便捷的金融服务,不仅方便了日常消费,还促进了农村电商的发展,为农产品销售开辟了 新渠道。 未来,随着金融科技的不断进步和应用深化,农村金融服务将迎来更加广阔的发展前景。 沈佳怡(作者单位:农行南京建邺支行) 同时,金融科技还增强了农村金融服务的风险控制能力。农村金融服务对象分散,信息不对称问题严 重,导致风险评估和管理难度较大。金融科技通过数据挖掘和机器学习技术,能够更准确地评估借款人 的信用状况,降低违约风险。区块链技术的应用为农村金融服务提供了更安全透明的交易环境,增强了 金融服务的可信度。 在推动农村金融服务创新方面,金融科技同样大有可为。如,供应链金融模式的应用,能够依托核心企 业为上下游农户和小微企业提供融资支持,增强产业链的稳定性和竞争力。同时,金融科技还能够推动 ...
中和农信如何破解小微农户融资难题
Sou Hu Cai Jing· 2025-06-03 06:53
Core Viewpoint - Financial support is essential for rural revitalization, yet there is a significant supply shortage in financial institutions serving rural areas, leading to difficulties in financing for farmers [1][3] Group 1: Challenges in Rural Finance - Rural financial services face numerous challenges, including small operating scales of farmers, lack of collateral, and high transaction costs for financial institutions [3][4] - The interest rates for loans in rural areas are significantly higher than those in urban areas due to these challenges [3] Group 2: Comprehensive Inclusive Credit Services - The company has established a comprehensive inclusive credit service system targeting small and micro customers in rural areas, emphasizing low thresholds and customer protection [4] - By the end of 2024, the company has covered 23 provinces and over 550 counties, reaching more than 1 million rural customers [4] Group 3: Innovative Online and Offline Service Model - The company employs a combined online and offline service model to enhance efficiency and reduce costs, integrating digital services with traditional financial offerings [5] - This model allows for sustainable coverage of small loan services in more rural areas [5] Group 4: Innovative Risk Control System - The company has developed an innovative risk control approach focusing on future cash flow and repayment willingness, utilizing big data and on-site investigations [6] - This system allows the company to provide credit services to farmers lacking traditional collateral [6] Group 5: Integration of Financial and Agricultural Production Services - The company combines financial services with agricultural production support, developing financial products tailored to specific agricultural needs [7] - It also offers comprehensive agricultural technical services to enhance the efficiency of fund usage and reduce production risks [7] Group 6: Close-to-Rural "Capillary" Service Network - The company has established a deep-rooted service network in rural areas, utilizing local partners to reduce information asymmetry and transaction costs [8] - By the end of 2024, the company has over 5,800 local service leaders, enhancing the connection between the company and farmers [8] Group 7: Successful Experience and Lessons - The company's practices highlight the need to consider the unique characteristics of rural finance, avoiding a simple replication of urban financial models [9] - Key successful strategies include a close service network, the use of digital technology to lower costs, and innovative risk control methods [9]