摘 要
本文探讨了农村金融机构在农村经济中的地位及其服务能力存在的主要问题与对策。作为农村金融支持的核心提供者和资金流动的桥梁，农村金融机构在促进农业现代化方面发挥着重要作用。然而，当前农村金融机构服务能力存在支付结算体系落后、征信体系不健全、服务覆盖面狭窄以及金融产品单一等问题。为提升农村金融机构服务能力，本文提出完善支付结算网络、建立征信数据库、增加网点布局以及创新金融产品等对策。这些对策旨在优化农村金融服务环境，拓宽金融服务覆盖面，满足农村居民多元化金融服务需求，推动农村经济的持续增长和社会稳定，为实现乡村振兴战略目标提供有力支撑。
关键词：农村金融机构；服务能力；网点覆盖
Abstract
This paper discusses the status of rural financial institutions in rural economy and the main problems and countermeasures of their service ability. As the core provider of rural financial support and the bridge of capital flow, rural financial institutions play an important role in promoting agricultural modernization. However, the current service capacity of rural financial institutions has some problems, such as backward payment and settlement system, imperfect credit investigation system, narrow service coverage and single financial products. In order to improve the service ability of rural financial institutions, this paper puts forward some countermeasures, such as improving the payment and settlement network, establishing the credit investigation database, increasing the network layout and innovating financial products. These countermeasures aim to optimize the rural financial service environment, broaden the coverage of financial services, meet the diversified financial service needs of rural residents, promote the sustainable growth of rural economy and social stability, and provide strong support for the realization of the strategic goal of rural revitalization.
Key words: Rural financial institutions; service capability; network coverage
目 录
一、引言 1
二、金融服务相关概述 1
（一）金融服务的定义 1
（二）金融服务的特点 1
（三）金融服务的主要模式 2
三、农村金融机构在农村经济中的地位 2
（一）金融支持的核心提供者 2
（二）资金流动的桥梁 3
（三）促进农业现代化的重要推手 3
四、农村金融机构服务能力存在的主要问题 3
（一）支付结算体系落后 4
（二）征信体系不健全 4
（三）服务覆盖面狭窄 4
（四）金融产品单一 5
五、提升农村金融机构服务能力的对策分析 5
（一）完善支付结算网络 5
（二）建立征信数据库 6
（三）增加网点布局 6
（四）创新金融产品 6
结论 7
参考文献 7
致谢 8
