金融科技对改善农村金融服务可达性的影响研究  

Research on the Impact of Financial Technology on Improving Rural Financial Service Accessibility

作　　者：曲乐 李靖潇 QU Yue;LI Jingxiao(Institute of Digital Economics and Trade,Kaifeng University,Kaifeng 475000,China)

机构地区：[1]开封大学数字经贸学院,河南开封475000

出　　处：《商业观察》2025年第7期37-40,共4页BUSINESS OBSERVATION

摘　　要：在移动支付、大数据和区块链技术的推动下,金融服务的面貌正发生着根本性的转变。这种变革改善了农村金融服务的可达性,解决了传统金融机构难以覆盖的广泛问题。然而,尽管金融科技为农村地区的金融服务带来了诸多便利,但仍面临着基础设施、服务成本、金融知识普及等方面的重大挑战。因此,文章就金融科技在农村金融服务中的应用与影响进行深入探讨,以期为相关政策制定提供理论依据与实践指导。Driven by mobile payment,big data,and blockchain technologies,the face of financial services is undergoing a fundamental change.This change has improved the accessibility of rural financial services and solved the widespread problem that traditional financial institutions find difficult to cover.However,despite the convenience brought by financial technology to financial services in rural areas,there are still significant challenges in terms of infrastructure,service costs,and financial knowledge dissemination.Therefore,this article will explore in depth the application and impact of financial technology in rural financial services,in order to provide theoretical basis and practical guidance for the formulation of relevant policies.

关 键 词：金融科技 金融服务 服务可达性 

分 类 号：F830.49[经济管理—金融学]