| 摘要: |
| 随着乡村振兴战略的实施，农村金融服务需求主体发生变迁，金融需求呈现多元化、复杂化、综合性的特点。为全面了解重庆乡村振兴的金融需求变化状况，课题组走访了重庆部分区县的乡村振兴试验示范乡镇及有代表性的乡村产业主体，探究重庆乡村振兴的金融需求特征及现行农村金融服务面临的困境。数字普惠金融的兴起为解决农村金融服务乡村振兴的困境提供了新的思路与解决方案，本文在剖析数字普惠金融破解农村金融服务困境的机理基础上，提出五种数字普惠金融模式及数字普惠金融服务乡村振兴的实现路径。 |
| 关键词: 乡村振兴；农村金融需求；数字普惠金融 |
| DOI： |
| 分类号:F832.5 |
| 基金项目:重庆市金融学会2020年两江金融基金项目课题“构建金融服务乡村振兴新模式研究”。 |
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| The Dilemma of Chongqing Rural Financial Service for Rural Revitalization and the Choice of Digital Inclusive Financial Models |
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LUO Chun-ling1，2，WANG Ding-xiang1，21,2
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1.School of Economics and Management,Southwest University;2.Center for Inclusive Finance and Agricultural & Rural Development,Southwest University
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| Abstract: |
| With the implementation of the Rural Revitalization Strategy,the subjects of rural financial service needs have changed,and the financial needs are diversified,complex and comprehensive.In order to fully understand the change of financial demand for rural revitalization in Chongqing,the research group visited the experimental demonstrative towns and representative rural industrial subjects in some districts and counties of Chongqing,and explored the financial demand characteristics of rural revitalization in Chongqing and the difficulties in the rural financial services.The rise of digital inclusive finance provides possible solutions to some problems of rural financial services for rural revitalization.Based on the analysis of the mechanism of digital inclusive finance,this paper puts forward five digital inclusive financial models and the realization path of digital inclusive financial services for rural revitalization. |
| Key words: Rural Industrial Revitalization；Rural Financial Demand；Digital Inclusive Finance |
