农户能否借助普惠金融服务实现良好的金融健康状态，关键在于农村金融机构的普惠金融服务能力建设与外部金融生态优化的协同。然而，在实践层面，农村金融机构普遍面临需求识别不精准、风险管理能力不足、科技应用能力欠缺、金融素养培育机制缺失等能力短板；同时，金融生态亦存在基础设施与制度环境的结构性短板、风险分担与激励政策的长效机制缺乏等制约因素。据此，本文提出应以机构能力强化与金融生态优化为着力点，通过供需协同与环境支撑，构建普惠金融赋能农户金融健康的基础和条件，推动农村普惠金融由“扩面增量”向“提质增效”转型。

Whether farmers can achieve favorable financial health through inclusive financial services is critically dependent on the coordination between capacity building of inclusive finance among rural financial institutions and the optimization of the external financial ecosystem. In practice, however, rural financial institutions are generally confronted with multiple capacity deficiencies, including imprecise demand identification, inadequate risk management competence, insufficient technological application capabilities, and the absence of structured financial education mechanisms. Meanwhile, the financial ecosystem is also constrained by structural weaknesses in financial infrastructure and institutional environments, as well as a lack of long-term mechanisms for risk sharing and incentive policies. To address these issues, this paper proposes that priorities should be given to strengthening institutional capacity and optimizing the financial ecosystem. Aligning supply and demand and reinforcing the enabling environment can lay a solid foundation and create the necessary preconditions for inclusive finance to enhance farmers’ financial health, thus advancing the transformation of rural inclusive finance from “scale and coverage expansion” to “quality and efficiency improvement”.

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国家自然科学基金项目（72473040）