数字金融助推农户家庭收入提高的机理及困境分析

Analysis of the Mechanism and Dilemmas of Digital Finance Promoting the Increase of Rural Household Incomes

本文深入研究了数字金融助推农户家庭收入提高的机理,并从农户金融素养低、金融机构的数字金融产品不太适合农户、政府不够重视农户数字金融的使用等方面分析数字金融助推农户家庭收入提高的困境,最后提出了提高农户金融素养、金融机构创新适合农户的数字金融产品、政府加强重视农户数字金融的使用等对策建议,仅供参考。

Through an in-depth study on the mechanism of digital finance promoting the increase of rural household incomes,this article analyzes the dilemmas of digital finance promoting the increase of rural household incomes from the aspects of low financial literacy of rural residents,unsuitable digital financial products of financial institutions for rural residents,and the government’s lack of attention to the use of digital finance of rural residents,etc.,and puts forward suggestions on improving the financial literacy of rural residents,and financial institutions’innovation of digital financial products suitable for rural households,and attaching the government’s more importance to the use of the digital finance of rural residents,etc.,only for reference.