关键词:

数字普惠金融, 乡村产业融合发展, 中国特色, 案例分析, 创新机制

Abstract:

Inclusive digital finance is the development and innovation of digital technology to empower the financial field，and the integrated development of rural industries is the proper way for the efficient and sustainable development of“agriculture rural areas and farmers”. Based on field research，this paper conducts a double case analysis of China's practice of digital financial inclusion in promoting the integrated development of rural industries. The study found that inclusive digital finance can optimize the allocation of resources，help alleviate traditional financial exclusion，break the difficulties of information asymmetry，realize self-renewal iteration，improve risk control capabilities. The productive elements are empowered and increased efficiency by the new production factor data，thereby promote the integrated development of rural industries. However，whether it is the government-led Internet plus rural finance and digital village station model，or the market-oriented use of big data to extend the industrial chain and the rural governance model through digital financial talents，there is still a need to strengthen village-level integrated service stations，online and offline mutual promotion，the organic connection between the government and the market，the standardization of data standards，and the establishment of a multi-level digital inclusive financial ecosystem are constantly innovating mechanism guarantees.

Key words:

inclusive digital finance, integrated development of rural industries, Chinese characteristics, case analysis, innovation mechanism