Rural digital inclusive finance promotes rural revitalization

To promote rural revitalization and achieve common prosperity, we must accelerate the gap between income, consumption, and basic public services between urban and rural areas, so that farmers can truly become rich. The 24th meeting of the Central Comprehensive Deepening Reform Commission held this year reviewed and approved the "Implementation Opinions on Promoting the High -quality Development of Inclusive Finance", which emphasized that "to speed up the shortcomings of financial services such as new agricultural business entities and promote orderly progress in an orderly manner, and orderly advance promoting in an orderly manner. The development of digital inclusive finance is to empower rural inclusive finance by digital technology, so that financial products and services can better walk into rural areas and serve farmers, and promote the results of the development of the majority of farmers to share development.

Rural digital inclusive finance to promote the role of rural revitalization

Rural digital inclusive finance can better support farmers' innovation and entrepreneurship. Compared with traditional financial methods, rural digital inclusive finance can achieve the sinking of service objects, better meet the diversified and small capital needs of small and micro enterprises and individuals in townships, and provide relatively low -cost financial support for farmers' innovation and entrepreneurship. With the help of digital technologies such as the Internet and big data, rural digital inclusive finance can break through the space limitations of financial services, provide more credit convenience for rural residents, make them quickly obtain financing, and at the same time conduct fast risk assessment of rural financial subjects to design it for it. More suitable risk products can significantly reduce the financing costs of rural residents, and ultimately help to increase the enthusiasm of farmers' innovation and entrepreneurship.

Rural digital inclusive finance can promote the development of rural industries. The development of rural digital inclusive finance can give full play to the long -tail effect of the digital economy, and drive the value -added of all aspects of the agricultural industry chain. By developing online benefiting farmers financial products, using online and offline combination to handle loans, and using multiple payment methods to provide convenient and fast basic financial services for the integration of rural industries; The financing models such as farmers' professional cooperatives "" finance + trading market + family farm "use digital financial platforms to conduct" digital credit "," digital guarantee "and" digital insurance "on agricultural enterprises and farmers on the supply chain. , Convenient and cheap financing services, combined with the advantages of e -commerce platform information, further improve the standardization level of agricultural products and expand the agricultural product sales market.

Rural digital inclusive finance helps promote the upgrading of farmers' consumption. Digital inclusive financial services such as payment, credit, insurance, investment and wealth management and other digital inclusive financial services have been widely used in rural areas, which has promoted offline business online, which can provide farmers with a shopping and consumption experience similar to urban residents, and then effectively release rural areas in rural areas. Consumer demand. Rural digital inclusive finance helps to resolve the liquidity constraints faced by farmers for a long time. With the help of online channels, it provides residents with delayed payment and small loan services, which can promote the consumption of durable consumer goods such as household appliances, furniture, and automobiles in rural areas. According to preventive savings theory, when consumers have uncertain revenue in the future, consumers will increase preventive savings and reduce current consumption. Rural digital inclusive finance can provide farmers with financial services such as digital insurance and wealth management, reduce uncertainty faced by individuals and families in rural residents, increase property income, and help improve their consumption level.

Rural digital inclusive finance helps improve the level of rural public services. Public services have the characteristics of balanced and inclusiveness. The improvement of basic public services such as education, pensions, and medical care will greatly reduce the gap between urban and rural areas and increase the sense of gain of farmers. Rural digital inclusive finance itself is an important rural public service infrastructure. It can provide rural residents with comprehensive financial services including payment, credit, insurance, wealth management, and make up for the gap in the imbalance of urban and rural supply in traditional financial services. Rural digital inclusive finance enables the construction of the rural public service system with "finance+technology", and uses the Internet platform to promote more inclusive rural public services through crowdfunding and equity financing. A good mechanism allows farmers to enjoy more and more convenient public services.

Vigorously develop rural digital inclusive finance

Strengthen the construction of rural digital inclusive financial infrastructure. Although the scope of Internet coverage in my country is continuously improved, and financial products are constantly being new, the construction of financial services, e -commerce, and credit systems in the vast rural areas is still not complete. Financial institutions such as banks conduct credit and risk assessment of farmers or small and medium -sized enterprises in rural areas and provide matching financial services. To this end, we should first improve the level of hardware facilities, focus on improving network coverage rates in remote rural areas, increase rural family network network rates and network usage rates, and provide solid information infrastructure support for the development of rural digital inclusive finance. The second is to enhance software capabilities and strengthen the training of rural digital inclusive financial care. Relying on the Rural Commercial Bank, Xinhe, and Digital Inclusive Financial Convenience Service Center, targeted financial education is carried out to the majority of farmers, and basic financial knowledge such as personal credit reporting, financial instruments, financial laws and regulations are popularized, and e -commerce, digital finance and other training are organized. , Develop application software that is easy to learn, guide farmers to improve digital operation capabilities, enhance digital security awareness, and enhance the ability to obtain financial services through digital financial service platforms.

Provide inclusive financial products and services suitable for rural needs. At present, financial products that really meet the needs of the three farmers are relatively scarce. Many digital inclusive financial products are directly moved back to the countryside from the city, ignoring the poor financial gain of rural residents. Promoting rural digital inclusive finance to better serve agriculture, rural areas, and rural areas. First, financial institutions should support financial institutions to provide stable capital flows for farmers' entrepreneurship, integrate the basic financial data information of rural residents, rural consumer financial data information, use big data to accurately predict and analyze farmers with farmers using big data and analyze farmers The real financial needs provide them with exclusive financial products such as entrepreneurial guarantee loans and agricultural insurance funds to achieve "energy loan" and "loan loan". The second is to develop agricultural products and services in a targeted manner, and encourage financial institutions to innovate exclusive financial products for new types of agricultural business entities and farmers, increase first loans and credit loans; innovate local agricultural product insurance and expand agricultural insurance coverage. The third is to promote the in -depth integration of rural financial product supply and consumer goods supply, provide farmers with online small consumer loans and e -commerce loans, stimulate farmers' consumer potential, and at the same time increase the cooperation of digital finance, logistics, and e -commerce platforms, unblock logistics channels, expand the logistics channels, expand Agricultural product sales radius. The fourth is to continuously improve the financial support of digital inclusive finance to public service projects such as rural pension services, medical and health. Promote rural digital inclusive finance towards poverty alleviation and consolidate the results of poverty alleviation. The foundation of the development of poverty alleviation is relatively weak. The digital inclusive financial service platform should increase its support for poverty alleviation areas and people, and pay attention to strengthening its endogenous development momentum. Create an online and offline organic integration service model. For the design and promotion of poorly returning to poor groups in rural remote areas and low education levels, it is more targeted with inclusive financial services. Financial products support financial services independently through online channels to support poverty alleviation areas and poverty alleviation. Use digital methods to integrate agricultural data related data, land transfer, agricultural subsidies, insurance, and rural construction projects, optimize risk pricing and control models, improve customer identification and credit investment capacity, and reduce dependence on mortgage guarantees.

Continuously improve the ecological environment of rural digital inclusive financial development. Compared with cities, financial demand in rural areas has the characteristics of fragmented, miniaturized, and long cycles, which put forward higher requirements for digital technology -based inclusive financial supervision. To this end, the top -level design of credit information sharing must be strengthened, the national standards for the collection and evaluation of rural credit data collection and evaluation must be unified, and the collaboration between the financial departments and departments of the financial sector and departments, taxation, market supervision, etc., deepen "silver tax interaction" and "silver business cooperation" "Xinyi Loan" and other models. Optimize the compensation mechanism for digital inclusive financial risk sharing, deepen the construction of the government financing guarantee system, improve the performance evaluation mechanism, and improve the compensation mechanism for agricultural loans and small and micro enterprise loans. Give full play to the role of the credit reporting system in rural digital inclusive finance, expand the coverage of the rural credit reporting system, establish a joint inspirational incentive and dishonesting joint disciplinary mechanism to provide farmers with better credit support and enhance the overall credit ecological environment of the rural rural areas.

(Author: Xue Qing, an associate professor at the International Business School of Shaanxi Normal University)

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