By studying high-quality development process of Henan agriculture and rural areas empowered by digital inclusive finance,it is found that the construction of digital financial infrastructure in Henan Province is relat...By studying high-quality development process of Henan agriculture and rural areas empowered by digital inclusive finance,it is found that the construction of digital financial infrastructure in Henan Province is relatively complete,and the level of deposit and loan of rural enterprises and farmers is constantly improving,and the market and government are constantly upgrading the financial risk insurance compensation mechanism.At the same time,there are also problems such as insufficient demand and supply of digital finance,single digital financial products,and weak market supervision.Based on this,some implementation paths are proposed,such as continuing to strengthen the construction of rural financial infrastructure in Henan Province,improving farmers’financial literacy,and enriching digital financial products and services.The government should continue to improve the construction of market system,and broaden the market supervision and management,to actively promote the digitalization of agricultural finance to enable the high-quality development of agriculture and rural areas in Henan Province.展开更多
This study explores the development trajectory of digital financial inclusion in 21 cities in Guangdong Province through fuzzy-set qualitative comparative analysis(fsQCA).The findings emphasize that the success of dig...This study explores the development trajectory of digital financial inclusion in 21 cities in Guangdong Province through fuzzy-set qualitative comparative analysis(fsQCA).The findings emphasize that the success of digital financial inclusion goes beyond individual dimensions,forming a systematic initiative marked by multifaceted interaction among different disciplines.In the trajectory of high-level digital inclusive finance development,the study identifies economic prosperity and technological innovation as crucial elements,highlighting their centrality,and elucidates the synergistic collaboration between market mechanisms and government guidance.Furthermore,the study emphasizes the government’s pivotal role in supporting market mechanisms and guiding policies,highlighting the need to achieve a nuanced equilibrium in the digital financial inclusion strategy.In contrast,non-high-level development paths of digital inclusive finance show a spectrum of diversities,emphasizing the critical roles played by economic fundamentals,government regulation,market mechanisms,and other contextual factors in different trajectories.Regarding policy implications,the study emphasizes the comprehensive and systemic nature inherent in the development of digital inclusive finance.It proposes four policy recommendations,including integrating development strategies,emphasizing scientific and technological innovation and economic development,achieving a delicate balance between market mechanisms and government guidance,and providing precise policy support.These insights provide valuable lessons for shaping digital inclusive financial policies in Guangdong Province and beyond,offering profound insights for strategically constructing robust digital financial ecosystems.展开更多
文摘By studying high-quality development process of Henan agriculture and rural areas empowered by digital inclusive finance,it is found that the construction of digital financial infrastructure in Henan Province is relatively complete,and the level of deposit and loan of rural enterprises and farmers is constantly improving,and the market and government are constantly upgrading the financial risk insurance compensation mechanism.At the same time,there are also problems such as insufficient demand and supply of digital finance,single digital financial products,and weak market supervision.Based on this,some implementation paths are proposed,such as continuing to strengthen the construction of rural financial infrastructure in Henan Province,improving farmers’financial literacy,and enriching digital financial products and services.The government should continue to improve the construction of market system,and broaden the market supervision and management,to actively promote the digitalization of agricultural finance to enable the high-quality development of agriculture and rural areas in Henan Province.
基金2023 Guangdong Provincial Education Science Planning Project(Higher Education Special Project)“Empirical Study on the Spatial Optimization of the Relationship between Human Capital and Industrial Structure in Guangdong Province under the Support of Higher Education Services”(No.2023GXJK144)。
文摘This study explores the development trajectory of digital financial inclusion in 21 cities in Guangdong Province through fuzzy-set qualitative comparative analysis(fsQCA).The findings emphasize that the success of digital financial inclusion goes beyond individual dimensions,forming a systematic initiative marked by multifaceted interaction among different disciplines.In the trajectory of high-level digital inclusive finance development,the study identifies economic prosperity and technological innovation as crucial elements,highlighting their centrality,and elucidates the synergistic collaboration between market mechanisms and government guidance.Furthermore,the study emphasizes the government’s pivotal role in supporting market mechanisms and guiding policies,highlighting the need to achieve a nuanced equilibrium in the digital financial inclusion strategy.In contrast,non-high-level development paths of digital inclusive finance show a spectrum of diversities,emphasizing the critical roles played by economic fundamentals,government regulation,market mechanisms,and other contextual factors in different trajectories.Regarding policy implications,the study emphasizes the comprehensive and systemic nature inherent in the development of digital inclusive finance.It proposes four policy recommendations,including integrating development strategies,emphasizing scientific and technological innovation and economic development,achieving a delicate balance between market mechanisms and government guidance,and providing precise policy support.These insights provide valuable lessons for shaping digital inclusive financial policies in Guangdong Province and beyond,offering profound insights for strategically constructing robust digital financial ecosystems.
