数字金融促进城乡融合发展的路径研究

Research on the Path of Digital Finance for Urban-Rural Integration Development

中国数字金融的发展在世界范围内走在前列,中国数字金融的创新也是国际前沿的创新。在着力打造新时代城乡关系的背景下,充分发挥数字金融的特性能够加速促进城乡融合。本文提出数字金融通过改善服务体验、提高服务效率,削减供给成本、满足融合需求和扩大服务规模的方式路径促进城乡生活互补共融,实现城乡融合的目标。并提出加强宣传普及,促进信息透明;合理利用技术,降低供给成本;建设基础设施,完善制度支持的建议,以求进一步缩小城乡间的差距。

China's digital finance is at the forefront of development in the world,and the innovations in Chinese digital finance are also at the forefront of international innovation.In the context of focusing on building urban-rural relations in the new era,giving full play to the characteristics of digital finance can accelerate the promotion of urban-rural integration.This paper proposes that digital finance promotes the complementary integration of urban and rural life and achieves the goal of urban-rural integration by improving service experience,increasing service efficiency,cutting supply costs,meeting integration demand and expanding service scale.It also puts forward the suggestions of strengthening publicity and popularization to promote information transparency,rationalizing the use of technology to reduce supply costs,and building infrastructure to improve institutional support in order to further narrow the gap between urban and rural areas.