我国数字普惠金融助力乡村振兴路径探究.pdfVIP

77 第5期（总第389期） No.5 2022年5月 MAY 文章编号：1673-887X(2022)05-0077-03 我国数字普惠金融助力乡村振兴路径探究 黄 骞 （重庆财经学院 金融学院，重庆 401320） 摘 要 数字普惠金融是数字技术与普惠金融的有机结合，是推进农村一体化发展和农村经济发展的一种有效途径。文章通 过对普惠数字金融发展的研究，探讨了其在农村地区的实施途径，并指出了我国数字普惠金融助力乡村振兴过程中，存在乡村 居民对数字金融的认知程度较低、数字普惠金融发展不均衡、数字普惠金融产品开发不足、征信体系不健全的问题，针对上述 问题提出了对策建议。 关键词 数字普惠金融；乡村振兴；发展现状，实现路径，问题和对策 中图分类号 F832.7 文献标志码 A doi:10.3969/j.issn.1673-887X.2022.05.026 Research on the Path of Digital Inclusive Finance Helping Rural Revitalization in China Huang Qian （School of Finance, Chongqing University of Finance and Economics, Chongqing 401320, China） AbstractAbstract ：：Digital inclusive finance is the organic combination of digital technology and inclusive finance, which is an important means to promote the integrated development of urban and rural areas and the implementation of rural revitalization strategy. This pa‐ per analyzed the development status of digital inclusive finance in China, and explored the realization path of digital inclusive fi‐ nance to help rural revitalization, then pointed out that there are some problems in the process of rural revitalization in China, such as low cognition of digital finance among rural residents, unbalanced development of digital inclusive finance, insufficient development of digital inclusive finance products and imperfect credit investigation system. Finally countermeasures and suggestions were put for‐ ward. Key words ：：digital financial inclusion, rural revitalization, development status, realization path, problem and countermeasure 数字普惠金