乡村振兴背景下农村金融发展路径研究

中图分类号：F832.35 文献标志码：A 文章编号：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

农村金融是我国金融体系中的重要组成部分，可为农村地区提供储蓄、贷款、投资和农业保险等金融服务，有利于纾解农村在产业和经济发展过程中的资金压力，提高农村居民开展农业生产的积极性和收益，是乡村振兴的重要支撑。（剩余6904字）