农业经济问题Issue(1)：27-43,17.
乡村数字金融的共性规律、发展逻辑与障碍突破
The Common Laws,Development Logic and Breakthroughs of Rural Digital Finance:Multiple Case Study Based on Rural Financial Reform Pilot Zone
摘要
Abstract
Under the backdrop of accelerating the construction of an agricultural powerhouse and comprehensively promoting rural revitalization in the new era,digital finance supporting agricultural and rural modernization is facing new tests and higher requirements.This paper adopts a multi-case study method,selecting typical models of rural digital finance from four rural financial reform pilot areas and systematically analyzing the logical rules of the development models of rural digital finance.Through comparative analysis of the reform effects of rural digital finance in these four regions,the paper proposes four typical models of rural digital finance:the collaborative service model,the diversified service model,the one-stop service model,and the smart service model,summarizing the characteristics and attributes of each model.On this basis,the paper clarifies the development logic of rural digital fi-nance,providing replicable and successful experiences for its development.However,the development of rural digital finance still faces realistic obstacles that need to be overcomed.Therefore,this paper sug-gests that rural digital finance needs breakthroughs at the technological,data,platform,product,village station,and risk control levels,enabling it to more effectively serve the acceleration of building an agri-cultural powerhouse and comprehensively promoting rural revitalization.This paper offers theoretical and practical guidance for improving the rural financial service system and promoting the high-quality de-velopment of rural finance,while also providing new empirical evidence for empowering rural revitaliza-tion through financial technology.关键词
数字金融/改革成效/特征属性/发展逻辑/现实障碍/突破方向Key words
Digital finance/Reform effect/Characteristics attribute/Development logic/Reality bar-rier/Breakthrough direction引用本文复制引用
温涛,刘渊博..乡村数字金融的共性规律、发展逻辑与障碍突破[J].农业经济问题,2025,(1):27-43,17.基金项目
国家社会科学基金重大项目"实现巩固拓展脱贫攻坚成果同乡村振兴有效衔接研究"(编号:21ZDA062),国家社会科学基金重点项目"建立解决相对贫困的制度体系与长效机制研究"(编号:20AZD080),国家社会科学基金一般项目"农业强国目标下健全农村金融服务体系的机制与路径研究"(编号:23BJY149),国家社会科学基金重点项目"数字普惠金融赋能小农经济现代化改造研究"(编号:23AJY014) （编号:21ZDA062）
