中国农村数字普惠金融法律问题研究

Research on Legal Issues of Digital Inclusive Finance in Rural China

当前,农村数字普惠金融在为农村经济发展注入活力同时,也带来了一些亟待解决的法律问题:立法体系不健全、司法体系不完备、监管体系不规范。依据城乡一体化发展、农村金融优先原则,本文认为关键在于完善农村数字普惠金融的立法体系,建立与数字金融新模式相适应的专业化司法体系,构筑监管主体分明、监管职责清晰的包容性监督体系。促使法治化的农村数字普惠金融体系形成,保障农村数字普惠金融可持续发展。

Currently,while injecting vitality into the development of rural economy,rural digital inclusive finance has also brought about some urgent legal issues to be solved:an incomplete legislative system,an incomplete judicial system,and an non-standard regulatory system.Based on the principles of urban-rural integration development and rural finance priority,this article believes that the key lies in improving the legislative system of rural digital inclusive finance,establishing a professional judicial system that is suitable for the new model of digital finance,and constructing an inclusive supervision system with clear regulatory subjects and clear regulatory responsibilities.Promote the formation of a rural digital inclusive finance system that is legalized,and ensure the sustainable development of rural digital inclusive finance.