摘 要
金融科技的快速发展为解决农村金融服务难题提供了新路径。本研究以金融科技在农村金融服务中的应用为切入点，旨在探讨其实践模式、影响机制及优化策略。通过文献分析与案例研究相结合的方法，选取典型地区和金融机构进行深入调研，揭示了金融科技在提升农村金融可得性、降低服务成本及优化资源配置方面的显著作用。研究发现，移动支付、网络借贷和大数据风控等技术手段有效缓解了农村地区的金融排斥问题，同时创新的数字化普惠金融模式正在重塑农村金融生态。然而，技术普及度不足、数字鸿沟以及风险管理挑战仍需关注。本研究的主要贡献在于系统梳理了金融科技在农村金融服务中的实践路径，并提出了针对性的政策建议，为推动农村金融数字化转型提供了理论支持与实践参考。这一研究成果对促进乡村振兴战略实施具有重要意义。
金融科技；农村金融服务；数字化普惠金融
关键词：
Abstract
The rapid development of fintech has provided new avenues for addressing the challenges in rural financial services. This study focuses on the application of fintech in rural financial services, aiming to explore its practical models, impact mechanisms, and optimization strategies. By combining literature analysis with case studies, this research conducts an in-depth investigation into typical regions and financial institutions, revealing the significant role of fintech in enhancing the accessibility of rural finance, reducing service costs, and optimizing resource allocation. The findings indicate that technological tools such as mobile payments, online lending, and big data risk control have effectively alleviated financial exclusion in rural areas, while innovative digital inclusive finance models are reshaping the rural financial ecosystem. However, issues such as insufficient technology penetration, the digital divide, and risk management challenges remain salient concerns. The primary contribution of this study lies in systematically outlining the practical pathways of fintech in rural financial services and proposing targeted policy recommendations, thereby providing theoretical support and practical guidance for promoting the digital transformation of rural finance. This research holds important implications for advancing the implementation of rural revitalization strategies.
Keywords: Fintech；Rural Financial Services；Digital Inclusive Finance
目 录
引言 1
一、农村金融服务现状分析 1
（一）农村金融需求特征 1
（二）传统农村金融服务局限 2
（三）金融科技应用的必要性 2
二、金融科技在农村的应用实践 3
（一）移动支付在农村的推广 3
（二）数字信贷服务的创新模式 3
（三）区块链技术在农业保险中的应用 3
三、金融科技对农村经济的影响 4
（一）提升农村金融可及性 4
（二）促进农村产业融合发展 4
（三）改善农民收入水平 5
四、农村金融科技发展的挑战与对策 5
（一）技术普及与基础设施建设 5
（二）数据安全与隐私保护问题 5
（三）政策支持与监管优化 6
结 论 6
致 谢 8
参考文献 9
