数字普惠金融助力乡村振兴的逻辑与路径  

The Logic and Path of Digital Finance Inclusion to Serving Rural Revitalization

作　　者：牟倩莹 易艳阳[1] Mu Qianying;Yi Yanyang(College of Humanities and Social Sciences,Nanjing Forestry University,Nanjing 210037,Jiangsu,China)

机构地区：[1]南京林业大学人文社会科学学院,江苏南京210037

出　　处：《新疆农垦经济》2023年第10期24-34,共11页Xinjiang State Farms Economy

基　　金：2023年度江苏省高校哲学社会科学重大项目(项目编号:2023SJZD080);2022年度江苏省社会科学基金青年项目(项目编号:22SHC011)。

摘　　要：数字普惠金融依托于大数据、云计算以及人工智能等现代信息技术与普惠金融的融合,拓宽了金融服务的广度,为深化金融改革、实现乡村振兴提供了新的思路。文章基于“产业兴旺、生态宜居、乡风文明、治理有效、生活富裕”五个角度,对数字普惠金融助力乡村振兴的基本逻辑进行研究。在数字普惠金融助力乡村振兴发展中,存在着数字基础建设不完善,覆盖广度不足;农村居民金融素养有待提高,金融专业人才短缺;征信体系建设碎片化,信息安全有待提高;监管体系不完善,金融生态环境薄弱等问题。由此,需加强数字普惠金融基础设施、征信体系、相关法律法规和监管体系建设,加强数字普惠金融教育的投入力度,缩小城乡收入差距,巩固脱贫攻坚成果,推进数字普惠金融全方位多层面助力乡村振兴。Digital financial inclusion relies on the integration of modern information technologies such as big data,cloud computing and artificial intelligence with inclusive finance,which has broadened the scope of financial services and provided new ideas for deepening financial reform and realizing rural revitalization.Based on the five perspectives of“thriving industry,livable ecology,civilized village style,effective governance and prosperous life”,this paper studied the basic logic of digital inclusive finance to help rural revitalization.In the process of digital finance inclusion helping rural revitalization and development,there exists the fol⁃lowing problem.The digital infrastructure are incomplete and the coverage of digital financial inclusion is insufficient;rural resi⁃dents’financial literacy needs to be promoted and the financial professionals are not enough;the construction of credit investiga⁃tion system is fragmented and information security needs to be improved;the regulatory system is not complete,and the financial ecological environment is weak.Therefore,it is necessary to strengthen the construction of digital financial inclusion infrastructure,credit investigation system,relevant laws,regulations and supervision system,increase investment in digital financial inclusion edu⁃cation,narrow the urban-rural income gap,consolidate the achievements of poverty alleviation,and promote digital financial inclu⁃sion to contribute to rural revitalization in an all-round and multi-level way.

关 键 词：数字普惠金融 乡村振兴 农村金融 

分 类 号：F49[经济管理—产业经济] F832F323