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

• 作者： 徐博涵 ¹
• 作者单位：
  1.  中国农业发展银行
• 发布时间：2024-10-22

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。

Abstract: 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 fi nancial 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 fi nancial services. Digital fi nancial inclusion plays a vital role in improving the fi nancing effi ciency 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 fi nancial risk compensation mechanism to provide robust fi nancial support for the successful implementation of the rural revitalization strategy.

• 分类： 应用经济学 >> 金融学
• 稿件状态： 已在期刊出版
期刊名称： 《中国商论》 2024年 第4期
• 引用： PSSXiv:202410.01956 (或此版本 PSSXiv:202410.01956V1)
  DOI:10.19699/j.cnki.issn2096-0298.2024.04.046
  CSTR:32012.36.PSSXiv.202410.01956
• 推荐引用方式： 徐博涵.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.中国商论,2024(4).[DOI:10.19699/j.cnki.issn2096-0298.2024.04.046] (点此复制)