金融学院知识库

乡村振兴战略由习总书记在十九大报告中提出，体现了我国政府解决“三农”难题的恒心和毅力，是我国“三农”工作的总抓手。2021年4月，十三届全国人大常委会第二十八次会议表决通过《中华人民共和国乡村振兴促进法》，指出金融机构要创新金融产品和服务模式，加大金融服务的覆盖程度，推动乡村振兴战略的实施。甘肃省地处我国西北地区，其农村金融服务水平对乡村地区的发展建设有着非常大的影响。为了支持农村建设，甘肃省提出了相关的方案来提高农村金融服务的供给水平，但是在执行过程中存在农村金融服务效率低、农村金融服务供给不足等方面的问题。因此，对甘肃省农村金融服务的发展进行研究是非常有意义的。

本文首先对乡村振兴背景下甘肃农村金融服务的发展进行了理论分析，明确金融发展理论和农村金融理论，并在论述农村金融服务需求的基础上，指出乡村振兴背景下对农村金融服务的需求主要为生活设施建设、产业兴旺发展和自然环境建设三方面的需求。其次，本文构建面板数据模型，对甘肃省十四个市（州）农村金融服务供给的影响因素进行实证研究，发现农林水财政支出、农林牧渔总产值、固定资产投资、农村居民人均消费对农村金融服务供给具有正向作用。再次，本文指出甘肃省农村金融服务在发展中存在金融机构数量较少、农村金融服务业务类型单一、农村金融服务供给效率低等方面的问题。最后提出加大农村地区资金投放量、提高农村金融服务的供给效率、构建全面的金融服务供给模式等方面的建议，以期能够在现有水平下，提高金融服务的供给力度，推动甘肃省乡村振兴发展。

The rural revitalization strategy was put forward by General Secretary Xi Jinping in the report to the 19th National Congress of the CPC. It demonstrates the government's perseverance and perseverance in solving problems related to agriculture, rural areas and farmers, and is the overall focus of China's work related to agriculture, rural areas and farmers. In April 2021, the 28th Session of the Standing Committee of the 13th National People's Congress voted to pass the Rural Revitalization Promotion Law of the People's Republic of China, pointing out that financial institutions should innovate financial products and service models, increase the coverage of financial services, and promote the implementation of the rural revitalization strategy. Gansu province is located in the northwest of China, and its rural financial service level has a great impact on the development and construction of rural areas. In order to support rural construction, Gansu Province has put forward relevant programs to improve the supply level of rural financial services, but there are problems such as low efficiency of rural financial services and insufficient supply of rural financial services in the implementation process. Therefore, it is of great significance to study the development of rural financial services in Gansu Province.

This article first to the country revitalization under the background of the development of rural financial services in gansu are analyzed in theory, theory of financial development and rural financial theory, and discussed on the basis of the rural financial service demand, points out that under the background of rural revitalization of demand for rural financial services mainly for living facilities construction, industry development and natural environment construction three aspects of demand. Secondly, this paper constructs a panel data model to conduct an empirical study on the influencing factors of rural financial service supply in 14 cities (prefecments) in Gansu Province, and finds that fiscal expenditure on agriculture, forestry and water, gross output value of agriculture, forestry, animal husbandry and fishery, fixed asset investment, and per capita consumption of rural residents have a positive effect on rural financial service supply. Thirdly, this paper points out that there are some problems in the development of rural financial service in Gansu Province, such as fewer financial institutions, single type of rural financial service business and low efficiency of rural financial service supply. Finally, suggestions are put forward to increase the amount of capital investment in rural areas, improve the supply efficiency of rural financial services, and build a comprehensive supply model of financial services, so as to improve the supply of financial services at the current level and promote rural revitalization and development in Gansu Province.