摘要
数字普惠金融是实现乡村振兴的重要手段,通过多种金融服务、金融创新、金融理念给乡村居民、乡村产业及整个乡村文明建设带来了巨大红利。目前,我国农村数字普惠金融已经取得阶段性的成就,但不可否认的是在其发展过程中还面临一些困境,如农村居民金融素养较低、农村金融需求分散且周期短、产品服务单一、基础设施建设不完善及农村金融风险高等。对此,建议政府加强对农村居民的数字普惠金融知识普及教育、加快农村地区基础设施建设,并鼓励金融机构创新,提供多样服务,与此同时应该尽快构建健全的金融风险管控机制、完善相关顶层设计,以更好地促进数字普惠金融在我国农村发展壮大。
Digital inclusive finance is an important means to achieve rural revitalization, which has brought huge dividends to rural residents, rural industry and the whole rural civilization development through a variety of financial services, financial innovation and financial concepts. At present, China’s rural digital inclusive finance has made phased achievements, but it is undeniable that it still faces some difficulties in the process of its development, such as low financial literacy of rural residents, scattered and short cycle of rural financial demand, single products and services,imperfect infrastructure construction and high rural financial risks. In this regard, it is suggested that the government should strengthen the popularization and education of digital inclusive financial knowledge for rural residents, speed up the construction of infrastructure in rural areas, and encourage financial institutions to innovate and provide various services. At the same time, we should build a sound financial risk control mechanism and improve relevant top-level designs as soon as possible, so as to better promote the development and growth of digital inclusive finance in the rural areas in China.
作者
江芮琳
JIANG Ruilin(Economic College,Hunan Agricultural University Changsha,Hunan 410128)
出处
《中国商论》
2022年第10期161-164,共4页
China Journal of Commerce
关键词
数字普惠金融
乡村振兴
影响机理
困境
建议
digital inclusive finance
rural revitalization
influence mechanism
dilemma
suggestion
