数字普惠金融助力乡村振兴高质量发展的路径研究以江苏省为例

A study on digital Pratt&Whitney Finance's path to revitalizing high-quality rural development—a case study ofJiangsu province

本文以江苏省为例,分析了数字普惠金融在助力乡村振兴高质量发展中的作用和路径。研究发现,江苏省通过技术创新、服务模式创新等途径,推动了数字普惠金融在乡村振兴中的应用,但仍存在金融资源分配不均、数字金融服务能力不足、金融创新与监管挑战以及农村金融需求与产品供给不匹配等问题,江苏省应加强金融创新与监管的平衡、优化服务模式、提高金融教育的普及和质量、完善监管机制、加强政策支持和市场培育。

Taking Jiangsu province as an example,this paper analyzes the role and path of Digital Pratt&Whitney Finance in promoting high-quality rural development.The study found that the province had promoted the use of digital Pratt&Whitney Finance in rural revitalization through technological innovation and Service Model Innovation,but there are still problems such as uneven distribution of financial resources,insufficient capacity for digital financial services,Financial Sunac and regulatory challenges,and the mismatch between rural financial demand and product supply,the province should strengthen the balance between financial Sunac and supervision,optimize the service model,improve the access and quality of financial education,improve the supervision mechanism,strengthen policy support and market cultivation.