数字普惠金融助力乡村振兴路径研究  

Research on Ways for Digital Inclusive Finance to Boost Rural Revitalization

作　　者：毕先玲[1] BI Xian-ling

机构地区：[1]五邑大学经济管理学院,广东江门529020

出　　处：《五邑大学学报（社会科学版）》2023年第3期58-61,93,共5页Journal of Wuyi University(Social Sciences Edition)

基　　金：2022年度江门市哲学社会科学规划项目“乡村全面振兴视角下江门市农村互联网金融与农村电商融合发展研究”(批准号:JM2022B44)之阶段性成果。

摘　　要：乡村振兴离不开数字普惠金融的支持,相比于传统金融,数字普惠金融可以大幅度降低经营成本,让金融服务渗透进农村地区。利用大数据分析,数字普惠金融可以突破农户没有固定收入、缺乏抵押品等不利因素,让其也享受到金融资源。然而,数字普惠金融也面临数字基础设施不足、农村居民金融知识薄弱、农村征信系统不完善、金融监管滞后等一系列问题,这就需要沿着加大农村数字基础设施建设、培训农村居民的金融知识、优化数字金融生态环境、完善农村金融征信系统、健全农村普惠金融监管等路径进行改革。Rural revitalization cannot be achieved without the support of digital inclusive finance.Compared with traditional finance,digital inclusive finance can significantly reduce operating costs and allow financial services to penetrate rural areas.By adopting big data analytics,digital inclusive finance can overcome such adverse factors as farmers'lack of fixed income and collateral,to enable farmers to enjoy financial resources.However,digital inclusive finance also faces a series of problems such as inadequate digital infrastructure,poor financial knowledge of rural residents,an imperfect rural credit reporting system,and lagging financial supervision.Thus,it is necessary to carry out reform along the path of increasing rural digital infrastructure investment,educating rural residents in basic finance,optimizing the digital financial ecological environment,improving the rural financial credit reporting system,and strengthening rural inclusive financial supervision.

关 键 词：数字普惠金融 征信系统 金融监管 

分 类 号：F83[经济管理—金融学]