摘要
农村数字普惠金融是数字经济背景下普惠金融的创新形式。当前,中国农村数字普惠金融有传统金融机构推行的数字化金融服务、电子商务平台推行的农业产业链金融服务、第三方互联网金融平台推行的金融服务、基于“互联网+”的农业供应链金融服务等四种形式。农村数字普惠金融的发展能够有效降低涉农金融服务前端交易成本及提升前端技术支持力度,但也受到农户认知、教育水平等影响。总体看,我国农村数字普惠金融存在区域分化、城乡分化、深度不足及监管滞后等问题,其根源是由数字基础设施建设不均衡的数字鸿沟、金融生态环境不健全的生态鸿沟及教育发展不平衡的教育鸿沟所引发的。以肯尼亚为代表的发展中国家推行的移动货币及美国为代表的发达国家推行的金融科技作为数字普惠金融的两种模式对我国有一定的借鉴意义。因此,本文建议在完善农村数字普惠金融发展过程中,应加大顶层制度设计,填补农村数字普惠金融发展三大鸿沟以及加大数字经济、数字金融及监管科技的协同。
Rural digital inclusive finance is an innovative form of inclusive finance under the background of digital economy.At present,China's rural digital inclusive finance includes digital financial services promoted by traditional financial institutions,agricultural industry chain financial services promoted by e-commerce platforms,financial services promoted by third-party Internet financial platforms,and agricultural supply chain financial services based on"Internet+".The development of rural digital financial inclusion can effectively reduce the front end transaction costs of agricultural financial services and improve the front-end technical support,but it is also affected by farmers'cognition and education level.Generally speaking,China's rural digital financial inclusion has problems such as regional differentiation,urban-rural differentiation,insufficient depth,and lagging supervision.These issues are caused by the unbalanced digital gap in the construction of digital infrastructure,the unsound ecological gap in the financial ecological environment,and the unbalanced educational gap in the development of education.The mobile money promoted by developing countries represented by Kenya and the financial technology promoted by developed countries represented by the United States,as two models of digital financial inclusion,have certain reference significance for China.Therefore,this article suggests that in the process of improving the development of rural digital inclusive finance,the top-level system design should be increased to fill the three major gaps in the development of rural digital inclusive finance and increase the coordination of digital economy,digital finance,and regulatory technology.
出处
《西南金融》
北大核心
2021年第11期53-64,共12页
Southwest Finance
关键词
农村金融
数字普惠金融
电子商务
金融科技
供应链金融
乡村振兴
数字乡村
金融生态环境
rural finance
digital inclusive finance
e-commerce
financial technology
supply chain finance
rural revitalization
digital village
financial ecological environment
