数字普惠金融助力乡村振兴的作用机制、主要困境与实现路径

The Mechanism,Main Dilemmas and Implementation Paths of Digital Inclusive Finance to Promote Rural Revitalization

数字普惠金融在促进乡村经济发展过程中发挥着重要作用,是实现乡村振兴战略目标的重要手段。文章通过分析数字普惠金融助力乡村振兴的作用机制,发现其存在数字鸿沟明显、农村居民金融素养薄弱、法律监管体系不完善、数字金融产品和服务供给不足等问题。基于此,未来应促进政企多方合作、普及数字普惠金融理念、优化金融风险防控体系和开展多元化数字金融产品以更好地服务于乡村振兴。

Digital inclusive finance plays an important role in promoting rural economic development.It is an important means to achieve the strategic goals of rural revitalization.By analyzing the mechanism of digital inclusive finance in promoting rural revitalization,this paper finds that there are problems such as obvious digital divide,weak financial literacy of rural residents,imperfect legal supervision system,and insufficient supply of digital financial products and services.Based on this,efforts should be made in promoting multi-party cooperation between government and enterprises,popularizing the concept of digital inclusive finance,optimizing the financial risk prevention and control system,and developing diversified digital financial products in the future to better serve rural revitalization.