摘要
数字普惠金融作为一种新兴的金融业态,借助大数据、云计算等数字化信息技术,为全面推进乡村振兴建设提供了有力支撑。论文首先分析了当前农村金融实现普惠的“五个难”,即商业可持续性难、降低交易成本难、克服金融排斥难、金融风险防控难、有效监管约束难。其次,说明了发展农村数字普惠金融的“三个坎”,即金融科技靠得住、数字金融落得下、农村地区接得住。再次,从产业兴旺、生态宜居、乡风文明、乡村治理和生活富裕等五个方面探讨了数字普惠金融与乡村振兴的“五大融合”。最后,针对在乡村振兴中如何推进数字普惠金融发展提出政策建议。
As an emerging financial industry,digital inclusive finance provides strong support for the comprehensive promotion of rural revitalization with the help of digital information technology such as big data and cloud computing.This paper first analyzes the current"five difficulties"in achieving inclusive rural finance,namely,the difficulties in commercial sustainability,reducing transaction costs,overcoming financial exclusion,financial risk prevention and control,and effective regulatory constraints.Secondly,it illustrates the"three hurdles"of developing rural digital inclusive finance,namely,financial technology can be relied on,digital finance can be dropped,and rural areas can be caught.Once again,the"five fusions"of digital inclusive finance and rural revitalization are discussed from five aspects,including industrial prosperity,ecological livability,rural style civilization,rural governance and living affluence.Finally,policy suggestions are made on how to promote the development of digital inclusive finance in rural revitalization.
出处
《农村金融研究》
2023年第6期3-10,共8页
Rural Finance Research
基金
国家社会科学基金重点项目“新发展格局下金融结构优化服务经济高质量发展研究”(编号:21AZD114)
国家社会科学基金重大项目“促进实体经济高质量发展的金融结构优化与制度创新研究”(编号:22&ZD117)的研究成果。
关键词
普惠金融
数字普惠金融
乡村振兴
Inclusive Finance
Digital Inclusive Finance
Rural Revitalization
