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让“金融科技”助力精准扶贫

来源: CNBM发布时间: 2017-11-08

congxianzaiqidao2020nian,tuopingongjianyijinruzuiweiguanjiandejieduan。tuopingongjianzhanyaoshixianquanmianshengli,rengmianlinbushaokunnanhetiaozhan。dangcizhishi,jinrongxingyeyingdandangyouwei,fahuigengdazuoyong。

jinnianlai,nongcundiquchanyeronghejiasu,shenongxinzhutixinyetaibuduanyongxian,nongcunjinrongxuqiuriyizengzhang。dancongzhengtilaikan,dangqiannongcunjinrongfuwudeshuipingnanyimanzunongye、nongcun、nongminfazhandeyaoqiu。yaoshixianquanmianjianchengxiaokangshehui,poqiexuyaochongfenfazhannongcunjinrong,rangtafahuigengdadezhichizuoyong。dangwuzhiji,shiyiyinxingweidaibiaodegedajinrongjigoujijiliyongdashuju、yuncunchu、rengongzhinengdengjinrongkejixinjishu,jiejuejinrongbumenhenonghuxinxibuduichengwenti,huajiejinrongzhinong“fengxianda”denanti,weidayingtuopingongjianzhanzheichangyingzhangzuochugengdagongxian。

金融机构募集管理资金,但“金融扶贫不是去送钱”,而是帮助扶贫“把钱花在刀刃上”。在实践中,群众致贫的原因千差万别,“大撒把”的帮扶难以奏效;部分地区困难群众无法获得足够的金融知识,难以获取平等的金融服务,抗风险能力差;在扶贫过程中,政府、金融机构、互联网企业等往往各自为战,难以形成合力。而金融科技的推广,无疑是解决上述问题的一条路径。

biru,yinxingdengjinrongjigouyunyongxinxijishudazaoyizhanshijinrongzonghefuwupingtai,pinkunnonghukeyishixiankuaijie、anquan、gaoxiaodexinxihuoqu,dadajiangdijiaoyichengben;tongguodashujuyijirengongzhinengdengjishu,jinrongjigounenggoujingzhundiduinonghu“huaxiang”,keyiduigezhongfupinxuqiujinxingjingzhunshibie,linghuogaoxiaodipeizhifupinzijinziyuan;qukuailianjishudeshiyongkeyidadajiangdifengxian,tishengjiaoyianquanxing,baozhengxiangguanjinrongjigouyunonghudehefaquanyi;tongguojinrongkejichuangxintuidongjizhichuangxin,jinrongjigoukeyiweinonghushejiyanfajianbian、kuaijiedenonghuxiaoexinyongdaikuanchanpin,tongguozhinengxitongwanchengzidongshenchashenpi、kuaisudaozhang、suijiesuihaidengfuwu,shikunnannonghuzhenzhenghuodebianli。keyishuo,zaizhinonghuinong、jingzhunfupinzhong,jinrongkejijuyoudayoukeweideguangkuokongjian。

yanxia,jinrongkejidefazhanyixingchenglezhengfuzhichi、hulianwangqiyeyuyinxingdengjinrongjigoushenduhezuodelianghaojumian。qunian,sidahulianwanggongsiyusidaguoyouyinxingqianshuhezuoxieyi,zaijinrongkejifangmianjinxingshenduhezuo,youlicujinlexiangguanyewudefazhan。keyiyujian,gedayinxingjinrongyewudexiachenyuhulianwangqiyejinruchuantongjinrongxingye,bijiangtuidongpuhuijinrongshuipingdezhengtishangsheng。zaituijinfupingongzuozheiyiguanjianhuanjie,yijinrongkejiweiyituo,gegeshichangzhutiyekexingchengheli。

金融如水,理应滋润实业、浇灌经济。加强对“三农”的金融服务,推进金融精准扶贫,是建设普惠金融体系的题中之义。用好金融科技,全面提升金融服务效率和水平,才能把更多金融资源配置到农村发展的重点领域和薄弱环节,将精准扶贫越做越实。(赵阳)

laiyuan: renminribao

 

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