摘 要
本文深刻剖析了数字普惠金融在赋能乡村产业振兴进程中的核心作用及其遭遇的诸多挑战与应对之策。数字普惠金融，凭借互联网与大数据技术的深度融合，展现出了无与伦比的广覆盖性、操作便捷性、成本效益优势及多元化产品体系，这些特质使其成为推动金融资源均衡分布、加速经济发展的关键引擎。然而，在助力乡村产业转型升级的征途上，数字普惠金融亦遭遇重重阻碍：数据基础设施薄弱，导致服务难以触及偏远地区；金融服务供给与乡村实际需求脱节，信息不对称现象普遍；信贷资源配置不均，进一步加剧了乡村企业融资难题。为破除这些瓶颈，本文精心构思了一系列优化路径：一方面，加速网络与信息基础设施的现代化建设，特别是5G网络与宽带网络的深度覆盖，为数字普惠金融在乡村的扎根奠定坚实基础；另一方面，通过金融知识普及活动，将金融知识送入田间地头，提升农民群体的金融素养与风险防范能力。同时，完善农村金融机构体系，强化信息披露机制，确保金融市场的透明与公正，并优化信贷资源配置策略，确保金融资源能够精准对接乡村产业的真实需求，从而有效促进农村经济的持续繁荣，巩固脱贫攻坚战果，并向共同富裕的宏伟目标稳步迈进。
关键词：数字普惠金融；乡村产业振兴；优化路径
Abstract
This article provides a profound analysis of the core role of digital inclusive finance in empowering the revitalization process of rural industries, as well as the many challenges and countermeasures it has encountered. With the deep integration of Internet and big data technology, digital inclusive finance has demonstrated unparalleled wide coverage, ease of operation, cost-effective advantages and diversified product systems, which make it a key engine to promote the balanced distribution of financial resources and accelerate economic development. However, in the journey of supporting the transformation and upgrading of rural industries, digital inclusive finance also faces numerous obstacles: weak data infrastructure makes it difficult for services to reach remote areas; The supply of financial services is disconnected from the actual demand in rural areas, and information asymmetry is common; The uneven allocation of credit resources further exacerbates the financing difficulties for rural enterprises. To overcome these bottlenecks, this article has carefully conceived a series of optimization paths: on the one hand, accelerating the modernization construction of networks and information infrastructure, especially the deep coverage of 5G networks and broadband networks, laying a solid foundation for the rooting of digital inclusive finance in rural areas; On the other hand, through financial knowledge popularization activities, financial knowledge can be sent to the fields and fields to enhance the financial literacy and risk prevention ability of the rural population. At the same time, we will improve the rural financial institution system, strengthen information disclosure mechanisms, ensure transparency and fairness in the financial market, optimize credit resource allocation strategies, ensure that financial resources can accurately meet the real needs of rural industries, effectively promote the sustained prosperity of the rural economy, consolidate the achievements of poverty alleviation, and steadily move towards the grand goal of common prosperity.
Keywords: Digital inclusive finance; Revitalization of rural industries; Optimize the path
目录
摘 要 I
Abstract II
第1章 绪论 1
1.1 研究背景及意义 1
1.2 研究目的及内容 1
1.3 国内外研究现状 2
第2章 数字普惠金融概述 3
2.1 数字普惠金融的定义 3
2.2 数字普惠金融的特点 3
2.3 数字普惠金融的优势 4
2.3.1 广泛的覆盖性和便捷性 4
2.3.2 低成本和高效率 4
2.3.3 丰富的产品体系 5
第3章 乡村产业振兴的必要性分析 6
3.1 乡村振兴的基础性工程 6
3.2 促进农村经济可持续发展 6
3.3 巩固脱贫成果与助力共同富裕 6
第4章 数字普惠金融支持乡村产业振兴面临的主要问题 8
4.1 数据基础设施建设滞后 8
4.1.1 互联网与移动通信设施覆盖不足 8
4.1.2 智能金融设备普及率低 8
4.2 金融服务供需失衡 8
4.3 信息不对称 9
4.4 信贷资源分配不均 9
第5章 优化数字普惠金融支持乡村产业振兴的路径 10
5.1 推进网络与信息基础设施建设 10
5.1.1 加快5G、宽带等网络设施覆盖 10
5.1.2 开展金融知识进乡村活动 10
5.2 完善农村金融机构体系 11
5.3 加强信息披露和透明度 11
5.4 优化信贷资源配置 11
结 论 13
参考文献 14
