会计学专业 数字普惠金融对乡村振兴的影响研究分析VIP专享VIP免费

摘要要实现乡村经济的快速发展，就需要不断地推动数字普惠金融的发展，真正打通“最后一公里”。文章着重阐述了数字普惠金融在乡村振兴发展过程中的影响，并就强化农村数字普惠金融基础设施建设、强化农村金融机构数字化转型、强化农村数字普惠金融宣传，提升农村居民金融素质、健全农村数字普惠金融体系、强化监管等方面提出建议。关键词：数字普惠金融；乡村振兴；金融机构；ResearchoncountermeasuresofPromotingruralrevitalizationthroughdigitalinclusiveFinanceAbstractInordertoachieverapideconomicdevelopmentinruralareas,itisnecessarytocontinuouslypromotethedevelopmentofdigitalinclusivefinanceandtrulybreakthroughthe“lastmile”.Thearticlefocusesontheimpactofdigitalinclusivefinanceintheprocessofruralrevitalization,andmakessuggestionsonstrengtheningtheconstructionofruraldigitalinclusivefinancialinfrastructure,strengtheningthedigitaltransformationofruralfinancialinstitutions,strengtheningthepromotionofruraldigitalinclusivefinance,improvingthefinancialqualityofruralresidents,improvingtheruraldigitalinclusivefinancialsystemandstrengtheningsupervision.Keywords:DigitalinclusiveFinance；Ruralrevitalization；Financialinstitutions；目录摘要.................................................................................................................................IAbstract..........................................................................................................................II引言................................................................................................................................1一、数字普惠金融的内涵............................................................................................1二、农村数字普惠金融发展现状及存在问题............................................................1（一）农村数字普惠金融发展现状....................................................................1（二）农村数字普惠金融存在的问题................................................................2三、数字普惠金融对乡村振兴的影响........................................................................3（一）缓解了农村地区创业资金约束................................................................3（二）提高资金使用的安全性、便捷性............................................................3（三）降低金融机构的金融服务成本................................................................4（四）为农民提供更优质的金融服务................................................................4（五）数字普惠金融服务乡村振兴存在的风险................................................4四、数字普惠金融推动乡村振兴发展对策................................................................5（一）强化农村数字普惠金融基础设施建设....................................................5（二）强化传统农村金融机构数字化转型........................................................5（三）强化农村数字普惠金融宣传，提升农村居民金融素养........................6（四）健全农村多层次数字普惠金融体系........................................................6（五）强化监管....................................................................................................6结束语............................................................................................................................7参考文献..........................................................................................................................