农村地区数字普惠金融的发展优势与建议

Development Advantages and Suggestions of Digital Inclusive Finance in Rural Areas

近年来,非接触、全天候、高效率、跨区域的数字普惠金融在促“三农”、助小微、抗疫情、稳经济等方面发挥了十分重要的作用,已经成为我国经济社会活动中不可或缺的重要一环。数字普惠金融是平衡传统普惠金融的商业可持续性和社会责任性矛盾的有效途径,成为了推动农村金融发展的重要动力,文章从农村地区数字普惠金融现状出发,研究其发展中的优势和面临的瓶颈制约问题,提出了加快推进农村地区数字普惠金融可持续发展的建议。

In recent years, the non-contact, all-weather, high-efficiency and cross regional digital inclusive finance has played a very important role in promoting agriculture, rural areas, helping small and micro enterprises, fighting the epidemic and stabilizing the economy, and has become an indispensable part of Chinese economic and social activities. Digital inclusive finance is an effective way to balance the contradiction between commercial sustainability and social responsibility of traditional inclusive finance, and has become an important driving force to promote the development of rural finance. Based on the current situation of digital inclusive finance in rural areas, this paper studies the advantages and bottlenecks in its development, and puts forward suggestions to accelerate the sustainable development of digital inclusive finance in rural areas.