农村数字普惠金融的问题与对策——基于江西省鄱阳县农村居民的问卷调查

The problems and countermeasures of rural digital inclusive finance--Based on a questionnaire survey of rural residents in poyang county of Jiangxi province

作为新时代互联网技术与传统金融服务相结合的产物,数字普惠金融能为农村居民提供便利的优质金融服务。以江西省鄱阳县为研究对象,通过问卷调查和实地访问的方式,探究农村数字普惠金融发展的现状与问题,并对此提出针对性的解决方案。调查发现由于金融排斥的存在,数字普惠金融难以在农村地区实现广度与深度的综合发展,并针对这一问题提出促进农村数字普惠金融发展的建议。

As a combination of digital technology and traditional financial services in the new era,digital inclusive finance can provide convenient and high-quality financial services for rural residents.Taking Poyang County of Jiangxi Province as the research object,this paper explores the current situation and problems of the development of rural digital inclusive finance through questionnaire survey and field visit,and puts forward targeted solutions.The survey found that digital inclusive finance is difficult to achieve comprehensive development in breadth and depth in rural areas due to the existence of“financial exclusion”,and proposed to promote the construction of rural digital inclusive finance development in view of this problem.