我国“三农”领域数字普惠金融的发展现状、问题与监管对策

The Development Status,Problems and Supervision Countermeasures of Digital Inclusive Finance in China's"Sannong"Field

数字普惠金融以互联网技术为依托,拥有高可获得性、广覆盖性、低成本性等众多优势,成为普惠金融建设新方向,本文运用文献研究法,基于普惠金融体系,从宏观、中观、微观、客户四个层面对“三农”领域内数字普惠金融现状进行分析,发现数字普惠金融存在监管较难,农村居民信用评估机制较差,农村地区网络基础设施建设落后,金融产品相似度高、普及率低,配套信息服务不够全面,农村居民投融资意识薄弱,互联网金融参与度不高等问题。针对以上问题提出相关建设意见,以期激发数字普惠金融活力,促进数字普惠金融在“三农”领域发展与普及,助力农村经济进一步发展。

Relying on Internet technology,digital inclusive finance has many advantages such as high availability,wide coverage,and low cost.It has become a new direction for inclusive finance construction.This paper uses literature research methods,based on the inclusive financial system,from macro,meso,micro,and customer levels analyze the status of digital inclusive finance in agriculture,rural areas and farmers,and find that digital inclusive finance is difficult to supervise,the credit evaluation mechanism of rural residents is poor,the network infrastructure in rural areas is backward,and financial High product similarity,low penetration rate,insufficient supporting information services,weak rural residents'investment and financing awareness,and low Internet financial participation.Regarding the above issues,put forward relevant construction suggestions to stimulate the vitality of digital inclusive finance,promote the development and popularization of digital inclusive finance in the fields of agriculture,rural areas and farmers,and help the further development of the rural economy.