数字普惠金融对乡村振兴的影响综述

Literature Review on the Impact of Digital Financial Inclusion on Rural Revitalization

数字普惠金融具备并且扩大了传统金融和转移支付的功能,在中国乡村振兴战略的实施过程中发挥着至关重要的作用。文章从数字普惠金融和乡村振兴的概念以及内涵出发,整理分析了两者的研究现状。同时从经济增长、城乡居民收入差距以及乡村发展三个角度,分析了数字普惠金融作为解释变量时的影响效应,进而将数字普惠金融与乡村振兴水平建立起联系,提出进一步探究两者关系的假设,丰富了数字普惠金融减贫支农的理论和实践,为数字普惠金融促进乡村振兴的发展提供了更多的理论依据与建议。

Digital inclusive finance possesses and expands the functions of traditional finance and transfer payment,and plays a crucial role in the implementation of China's rural revitalization strategy.Starting from the concepts and connotations of digital inclusive finance and rural revitalization,this paper organizes and analyzes the research status of the two.At the same time,from the perspective of economic growth,the income gap between urban and rural residents,and rural development,this paper analyzes the impact of digital financial inclusion as an explanatory variable,and then establishes a link between digital financial inclusion and the level of rural revitalization,and proposes to further explore the relationship between the two.The hypothesis enriches the theory and practice of digital inclusive finance to reduce poverty and support agriculture,and provides more theoretical basis and suggestions for digital inclusive finance to promote the development of rural revitalization.