数字经济时代我国农村小额信贷风险控制问题研究

Research on Risk Control of Rural Microfinance in Digital Economy Era

在农村小额信贷金融科技发展过程中,数字化转型已成为不可阻挡的变革趋势。目前,我国正处于后疫情时代,发展农村数字金融是实现农村经济结构再造的必由之路。这不仅为数字化产业带来机遇,也为监管机构带来挑战。所以,有必要从农村信贷的基本特征出发分析数字金融在进入农村市场时带来的风险,并在此基础上围绕监管部门、金融机构及农户进行政策分析,为我国控制小额信贷风险、实现数字金融与“三农”发展的良性融合提供理论支持。

In the process of rural microfinance financial technology development,digital transformation has become an irresistible change trend.At present,China is in the post epidemic era,the development of rural digital finance is the only way to realize the reconstruction of rural economic structure.This not only brings opportunities for the digital industry,but also challenges for regulators.Therefore,it is necessary to start from the basic characteristics of rural credit to analyze the risks brought by digital finance when entering the rural market,and on this basis,to conduct policy analysis around regulatory authorities,financial institutions and farmers,so as to provide theoretical support for China to control the risk of micro credit and realize the benign integration of digital finance and the development of"agriculture,rural areas and farmers".