农业现代化研究2025，Vol.46Issue(1)：46-55,10.DOI:10.13872/j.1000-0275.2024.1541
数字普惠金融促进城乡融合发展:理论逻辑、现实困境与路径选择
Digital inclusive finance promoting urban-rural integration:theoretical logic,practical challenges,and pathways
摘要
Abstract
The integration of urban and rural areas is an essential requirement for the promotion of Chinese-style modernization and the realization of common prosperity for all people.It is also a core element of rural revitalization.Digital inclusive finance leverages digital technology to break the spatial and temporal constraints between urban and rural areas,promoting the rational allocation of resources across these regions.This serves as an important driving force for advancing urban-rural integration.Based on a systematic review of the connotations and characteristics of digital inclusive finance and urban-rural integration,this study delves into the theoretical logic of how digital inclusive finance facilitates urban-rural integration from three perspectives:equity,efficiency,and sustainability.It identifies the current practical challenges faced and proposes pathways for achieving urban-rural integration through digital inclusive finance in the digital economy era.The research demonstrates that digital inclusive finance promotes fairness in urban and rural economic and social development,enhances resource allocation efficiency,and advances sustainable development by expanding financing channels,improving public services,reducing transaction costs,enhancing factor mobility,and aligning with the needs of green industries.However,challenges remain,including a significant regional digital divide,low digital financial literacy among rural residents,a mismatch between the supply of financial products and services and the demands of urban-rural integration,and inadequate security systems,all of which restrict the progress of urban-rural integration.In the future,there is an urgent need to accelerate the construction of digital infrastructure,improve the digital financial literacy of rural residents,innovate and diversify digital inclusive financial products,improve relevant laws and regulations,strengthen policy coordination,and provide strong support for urban-rural integration.关键词
数字普惠金融/城乡融合发展/理论逻辑/城乡差距/实现路径Key words
digital financial inclusion/urban-rural integration/theoretical logic/urban-rural gap/implementation pathways分类
管理科学引用本文复制引用
孙炜琳,刘丽,姜茜..数字普惠金融促进城乡融合发展:理论逻辑、现实困境与路径选择[J].农业现代化研究,2025,46(1):46-55,10.基金项目
国家自然科学基金项目(72404272) （72404272）
中国农业科学院科技创新工程项目(10-IAED-05-2024) （10-IAED-05-2024）
中央级公益性科研院所基本科研业务费专项(1610052024004).Supported by the National Natural Science Foundation of China(72404272) （1610052024004）
Agricultural Science and Technology Innovation Program(10-IAED-05-2024) （10-IAED-05-2024）
Central Public-interest Scientific Instirution Basal Research Funds(1610052024004). （1610052024004）
