数字普惠金融能促进乡村产业融合发展吗?——基于四川彭州和广西田东的双案例分析

Can Inclusive Digital Finance Promote the Integrated Development of Rural Industries?——A Case Study of Pengzhou in Sichuan Province and Tiandong in Guangxi Zhuang Autonomous Region

数字普惠金融是数字技术赋能金融领域的发展创新,乡村产业融合发展是“三农”高效可持续发展的必由之路。通过对中国实践所进行的双案例实地调研发现,数字普惠金融能够优化资源配置,有利于缓解传统的金融排斥,打破信息不对称,提高风险控制能力,并利用数据这一新型的先导生产要素对其他要素进行赋能和增效,进而促进乡村产业融合发展。但无论是政府主导的“互联网+农村金融”与数字村站模式,还是以市场化为主,利用大数据延长产业链,并通过数字金融人才赋能乡村治理模式,仍需在加强村级综合服务站的线上线下互促、政府与市场的有机衔接、数据规范的标准化以及建立多层级数字普惠金融生态圈等方面不断创新保障机制。

Inclusive digital finance is the development and innovation of digital technology to empower the financial field,and the integrated development of rural industries is the proper way for the efficient and sustainable development of “agriculture, rural areas and farmers”. Based on field research,this paper conducts a double case analysis of China’s practice of digital financial inclusion in promoting the integrated development of rural industries. The study found that inclusive digital finance can optimize the allocation of resources,help alleviate traditional financial exclusion,break the difficulties of information asymmetry,realize self-renewal iteration,improve risk control capabilities.The productive elements are empowered and increased efficiency by the new production factor data,thereby promote the integrated development of rural industries. However,whether it is the government-led Internet plus rural finance and digital village station model,or the market-oriented use of big data to extend the industrial chain, and the rural governance model through digital financial talents,there is still a need to strengthen village-level integrated service stations,online and offline mutual promotion,the organic connection between the government and the market,the standardization of data standards,and the establishment of a multi-level digital inclusive financial ecosystem are constantly innovating mechanism guarantees.