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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: 城乡融合发展是全面推进中国式现代化、实现全体人民共同富裕的本质要求,也是实现乡村全面振兴的必由之路。数字普惠金融依托数字技术破除城乡时空限制,促进城乡要素合理配置,是扎实推进城乡融合的重要推动力。本研究在系统梳理数字普惠金融和城乡融合的内涵及特征的基础上,从公平、效率和可持续三个方面深入剖析了数字普惠金融促进城乡融合的理论逻辑,指出了当前面临的现实困境,并提出数字经济时代数字普惠金融驱动城乡融合的实现路径。研究表明,数字普惠金融主要通过拓展融资渠道、赋能公共服务、降低交易成本、增强要素流动、对接绿色产业需求等渠道,有效促进城乡经济社会的公平性、提升资源配置效率,推进可持续发展。当前数字普惠金融仍面临区域数字鸿沟较大、农村居民数字金融素养不高、金融产品和服务供给与城乡融合需求不匹配、保障体系不健全等问题,制约着城乡融合的进程。未来亟需进一步加快数字基础设施建设、提高农村居民数字金融素养、发展创新多元化数字普惠金融产品、完善相关法规和配套政策、强化政策协同,以有力支撑城乡融合。

     

    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.

     

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