乡村振兴背景下数字普惠金融助力农民创业困境的纾解研究

Research on Digital Inclusive Finance HelpingFarmers’Entrepreneurship Dilemma under the Background of Rural Revitalization

数字普惠金融发展的创业助力效应是支持乡村全面振兴、创新赋能业态变革的重要突破口。数字普惠金融通过拓宽农民金融服务可得性、缓解信息约束和融资约束、降低融资成本、促进农民信任升级,有效推动农民创新创业。然而,由于供给:有效服务供给与农民需求不匹配、信贷支持力度不足;需求:农民金融认知禀赋差异大;配套:缺乏统筹规划、监管不利等,导致数字普惠金融对农民创业支持力度不够,数字普惠金融助力农民创业还面临困境。为此,可从建立农村金融教育长效机制、加大农民创业信贷政策扶持、创新金融产品与服务、完善农村信用体系与环境等方面着手,力求达到普惠“可得到”,创业农民“用得好”,普惠服务“可持续”,通过金融赋能推动乡村全面振兴。

The pioneering power effect of digital inclusive finance development is an important breakthrough to support the overall revitalization of the countryside and the transformation of innovative and enabling formats.Digital inclusive finance effectively promotes farmers’innovation and entrepreneurship by broadening the availability of financial services,easing information constraints and financing constraints,reducing financing costs and promoting farmers’trust upgrade.However,due to supply:the supply of effective services does not match the demand of farmers and credit support is insufficient;the demand:farmers’financial cognitive endowments vary greatly;the matching:The lack of overall planning and unfavorable supervision have led to insufficient support from digital inclusive finance for farmers’entrepreneurship,and the difficulties faced by digital inclusive finance in assisting farmers’entrepreneurship.To this end,it is to establish a long-term mechanism for rural financial education,increase support for farmers’entrepreneurship credit policies,innovate financial products and services,and improve the rural credit system and environment,and strive to achieve inclusive“accessibility”,entrepreneurial farmers’“good use”,“sustainability”in inclusive services,and promote the overall revitalization of the countryside through financial empowerment.