乡村振兴视角下数字普惠金融助力农业经济发展的对策探究  

Exploring Strategies for Advancing Agricultural Economic Development Through Digital Financial Inclusion in the Framework of Rural Revitalization

作　　者：徐博涵 Xu Bohan(Agricultural Development Bank of China,Beijing 100045)

机构地区：[1]中国农业发展银行,北京100045

出　　处：《中国商论》2024年第4期46-49,共4页China Journal of Commerce

摘　　要：数字普惠金融对我国乡村振兴战略实施有着重要意义,乡村振兴战略实施需要大量资金支持,但农村传统金融服务普遍存在准入门槛高、服务效率低等问题,迫切需要农村地区尽快推动金融服务升级。数字普惠金融在提高农业经营主体融资效率、促进农业经济转型、提高农业发展质量方面具有至关重要的作用。因此,针对当前农业农村现代化发展对金融服务的需求,应加强信息基础设施建设,依托大数据平台,全面构建农村数字化普惠金融体系,完善金融风险补偿机制,为乡村振兴战略的顺利实施提供有力的金融支持。Digital financial inclusion is of great significance to the implementation of China's rural revitalization strategy.The implementation of the rural revitalization strategy requires substantial financial support.However,traditional financial services in rural areas often encounter issues such as high entry requirements and low service efficiency.Therefore,it is crucial for rural areas to expedite the enhancement of financial services.Digital financial inclusion plays a vital role in improving the financing efficiency of agricultural operators,promoting the transformation of the agricultural economy,and enhancing the quality of agricultural development.Given the current need for financial services in the modernization of agriculture and rural areas,there is a necessity to enhance the development of information infrastructure.This can be achieved through leveraging big data platforms to comprehensively establish a digital financial inclusion system in rural areas.Additionally,it is important to enhance the financial risk compensation mechanism to provide robust financial support for the successful implementation of the rural revitalization strategy.

关 键 词：数字普惠金融 乡村振兴 农业经济 农业经济转型 农业农村现代化 数字化 

分 类 号：F831.5[经济管理—金融学] F320.2