数字普惠金融提升新疆农村居民金融素养的困境及路径

The dilemma and path of improving the financial literacy of rural residents in Xinjiang through digital inclusive finance

普惠金融作为乡村振兴的重要组成部分,能降低农村地区居民参与金融活动的门槛,提高农村居民普惠金融参与度,避免金融排斥。然而,在推动数字普惠金融提升新疆农村居民的金融素养实践中,始终受诸多因素影响。本文旨在探讨新疆数字普惠金融的发展过程,分析其在提升新疆农村居民金融素养方面面临的困境,并提出解决路径。本研究有助于促进数字普惠金融发展,提高新疆农村居民的金融素养水平,推动实施乡村振兴战略。

As an important part of rural revitalization,inclusive finance can lower the threshold for residents in rural areas to participate in financial activities,improve their participation in inclusive finance,and reduce financial exclusion.However,the practice of promoting digital inclusive finance and improving the financial literacy of rural residents in Xinjiang has been hindered by many factors.The purpose of this paper is to explore the development process of digital inclusive finance in Xinjiang,analyze the difficulties faced by it in improving the financial literacy of rural residents in Xinjiang,and propose solutions to solve them.This study is helpful to promote the development of digital inclusive finance,improve the financial literacy level of rural residents in Xinjiang,and promote the implementation of the rural revitalization strategy.