数字金融助力乡村产业振兴的路径——从辽宁省数字金融状况展开分析  

Research on Pathways of Digital Finance Facilitating Rural Industry Revitalization-Based on the Present Digital Finance Situation in Liaoning Province

作　　者：孙志丹 SUN Zhidan(Dalian University of Finance and Economics,Dalian 116000,China)

机构地区：[1]大连财经学院经济学院,辽宁大连116000

出　　处：《通化师范学院学报》2025年第3期90-97,共8页Journal of Tonghua Normal University

摘　　要：数字金融作为推动乡村产业振兴的关键力量,对实现农业农村现代化具有重要战略意义。文章聚焦辽宁省,结合其东北老工业基地振兴背景与沿海沿边区位优势,系统分析数字金融助力乡村产业振兴的作用机理、现状、困境及优化路径。研究表明,数字金融凭借直接作用机制(扩大金融服务覆盖、降低服务成本、提升风险识别能力)和间接作用机制(推动科技创新、助力生态环保、促进消费升级等),显著缓解了乡村融资难题并推动产业可持续发展。然而,辽宁省仍面临区域数字鸿沟加剧、人口外流削弱金融应用基础、产品创新不足及风险管理薄弱等挑战。研究提出了分层推进数字基建均衡发展、构建三链融合产品创新体系、完善风险共担机制等优化路径。As a pivotal force driving the revitalization of rural industries,digital finance holds significant strategic importance for achieving agricultural and rural modernization.This study focuses on Liaoning Province,systematically analyzing the mechanisms,current status,challenges,and optimization pathways of digital finance promoting rural industrial revitalization,particularly within the context of revitalizing old industrial bases in Northeast China and leveraging its coastal and border geographical advantages.The research demonstrates that digital finance effectively alleviates rural financing constraints and promotes sustainable industrial development through direct mechanisms and indirect mechanisms.However,there are still challenges including a widening regional digital divide,population outflow weakening financial application foundations,insufficient product innovation,and inadequate risk management in Liaoning Province.This paper proposes optimization strategies:implementing tiered digital infrastructure development,establishing an integrated three-chain product innovation system and improving risk-sharing mechanisms.

关 键 词：数字金融 乡村产业 均衡发展 优化路径 

分 类 号：F207[经济管理—国民经济]