[1]丁安娜,李泽彪.农村商业银行共同富裕理念的嬗变历程及经验借鉴——从普惠金融到共富金融[J].金融教育研究,2023,(06):72-80.
　DING Anna,LI Zebiao.The Evolution Process and Experience Reference of the Concept of Common Prosperity in Rural Commercial Banks——From Inclusive Finance to Co-prosperity Finance[J].,2023,(06):72-80.
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农村商业银行共同富裕理念的嬗变历程及经验借鉴——从普惠金融到共富金融()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2023年06期
页码:
72-80
栏目:
管理决策
出版日期:
2023-11-25

文章信息/Info

Title:
The Evolution Process and Experience Reference of the Concept of Common Prosperity in Rural Commercial Banks——From Inclusive Finance to Co-prosperity Finance
文章编号:
2095-0098(2023)06-0072-09
作者:
丁安娜;  李泽彪
(浙江理工大学 科技与艺术学院,浙江 绍兴 312000)
Author(s):
DING Anna;  LI Zebiao
(College of Technology and Arts,Zhejiang Sci-Tech University,Shaoxing,Zhejiang 312000,China)
关键词:
共同富裕;  普惠金融;  共富金融;  案例研究
Keywords:
Common prosperity;  Inclusive finance;  Co-prosperity finance;  Case study
分类号:
F832.3
文献标志码:
A
摘要:
共同富裕是社会主义的本质要求,是人民群众的共同期盼。商业银行作为社会经济发展的重要组成部分,在探索实现共同富裕道路上具有重要作用。秉持共同富裕理念开展创新发展是商业银行实现可持续发展的可行路径,也是未来商业银行创新发展的准则和趋势。但已有研究对商业银行在探索共同富裕理念时如何进行创新发展等问题研究较少。从普惠金融视角出发,通过对瑞丰银行业务创新发展的纵向分析发现,农村商业银行共同富裕理念的嬗变历程是被动到主动的动态演变过程,是逐渐由表层渗透到内里的过程,是从传统普惠金融理念到新时代中国特色金融理念的演进过程,是农村商业银行创新发展中与外界经济社会互动交换的动态持续性过程。农村商业银行共同富裕理念的嬗变能不断推动农村普惠金融下沉,以更好地提升低收入群体金融服务覆盖面,实现向共富金融的经营转变; 能不断推动构建顺应时代发展的金融业务创新发展体系,有效促进城乡金融配置均衡化发展。
Abstract:
Common Prosperity is the essential requirement of socialism and the common expectation of the people.As an important part of social economic development,commercial banks play an important role in exploring the road to achieve common prosperity.Adhering to the concept of common prosperity to carry out innovative development is a feasible path for commercial banks to achieve sustainable development,and it is also the criterion and trend of innovative development of commercial banks in the future.However,there are few studies on how to innovate and develop commercial banks when exploring the concept of common prosperity.From the perspective of inclusive finance,through the vertical analysis of Ruifeng Bank's business innovation and development,this paper finds that the evolution process of the concept of common prosperity of rural commercial banks is a dynamic evolution process from passive to active,a process that gradually penetrates from the surface to the inside,and a process that evolves from the traditional concept of inclusive finance to the financial concept with Chinese characteristics in the new era.It is a dynamic and continuous process of interaction and exchange between commercial banks and the external economy and society in the process of innovation and development.The evolution of Common Prosperity of rural commercial banks can continuously promote the sinking of Financial Inclusion to better improve the coverage of financial services for low-income groups and realize the operation transformation to common prosperity finance.It can continuously promote the construction of a financial business innovation and development system that conforms to the development of the times,effectively promoting the balanced development of urban-rural financial allocation.

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备注/Memo

备注/Memo:
收稿日期:2023-05-23
基金项目:国家社会科学基金项目(22BJL126)
作者简介:丁安娜(1987—),女,浙江绍兴人,讲师,研究方向为创新管理。
更新日期/Last Update: 2023-11-25