乡村数字普惠金融发展中的数字鸿沟成因及消解路径探析

An Analysis of the Causes of the Digital Divide in the Development of Rural Digital Inclusive Finance and Its Resolution

当前乡村振兴已经成为我国“十四五”时期建设发展的重中之重。而乡村的建设与发展离不开金融的支持,今年一号文件中明确强调了“金融支持”的重要性。数字普惠金融以其独有的数字化和普惠性成了当前协调区域不平衡、推动乡村建设发展的首选。然而当前我国乡村数字普惠金融发展中数字鸿沟问题突出,严重阻碍了数字金融助力乡村建设。所谓“正本清源”,要想解决这一问题,必须从其成因出发,从根源上治理。

At present, rural revitalization has become the top priority in China’s construction and develop-ment during the 14th Five-Year Plan period. The construction and development of rural areas cannot be separated from financial support, and the importance of “financial support” was clearly emphasized in the Document No. 1 of this year. Digital inclusive finance, with its unique digitalization and universality, has become the first choice to coordinate regional imbalance and promote the development of rural construction. However, the digital divide in the development of digital inclusive finance in China’s rural areas is prominent, which seriously hinders digital finance from helping rural construction. In order to solve this problem, we must start from its causes and treat it from the root.