数字普惠金融助力乡村振兴的路径研究——以龙岩普惠金融改革试验区为例

Research on the Path of Digital Inclusive Finance to Assist Rural Revitalization-Taking Longyan Inclusive Finance Reform Pilot Zone as an Example

数字普惠金融是助推乡村振兴高质量发展的重要动力。数字普惠金融不仅有利于改善乡村金融环境,还可以丰富和创新乡村金融服务。乡村振兴离不开资源投入和要素聚集,要解决“钱从哪里来”的问题,金融是关键。数字普惠金融通过金融科技,破除了传统金融服务在农村地区的发展瓶颈,为乡村振兴注入新活力。文章深入总结龙岩市作为国家普惠金融改革试验区金融支持乡村振兴的经验与启示,梳理相关经验及特色做法以及全面推进乡村振兴中存在的问题,在此基础上,提出数字普惠金融助力乡村振兴的路径。

Digital inclusive finance is an important driving force for promoting high-quality development of rural revitalization.Digital inclusive finance not only benefits the improvement of rural financial environment,but also enriches and innovates rural financial services.Rural revitalization cannot be achieved without resource investment and factor aggregation.To solve the problem of where money comes from,finance is the key.Digital inclusive finance has broken through the development bottleneck of traditional financial services in rural areas through financial technology,injecting new vitality into rural revitalization.This article provides an in-depth summary of the experience and inspiration of Longyan City as a national pilot zone for inclusive financial reform in financial support for rural revitalization,and identifies the problems in comprehensively promoting rural revitalization.Based on this,it proposes a path for digital inclusive finance to assist rural revitalization.