数字普惠金融依托数字化技术,突破传统普惠金融在地理和物理上的限制,缓解了信息不对称问题,降低金融服务和使用成本,大幅度提高金融服务的可及性。但在农村地区,数字普惠金融的发展仍受到一定限制,其主要原因在于,一是城乡的数字鸿沟显著,二是农村农户的金融素养不足。据此,农户的金融需求未被激发,也较少会选择金融机构以满足金融需求,故农村的金融资源使用效率较低。但农村的发展离不开金融支持,为此需要弥补数字鸿沟、提升金融素养,增加数字普惠金融的适用性,助推乡村振兴。Relying on digital technology, digital inclusive finance has broken through the geographical and physical constraints of traditional inclusive finance, alleviated the problem of information asymmetry, reduces the cost of financial services and their use, and significantly increased the accessibility of financial services. However, in rural areas, the development of digital inclusive finance still has certain limitations, mainly due to the obvious digital divide between urban and rural areas and the lack of financial literacy among farmers. Accordingly, the financial needs of rural households are not stimulated, and they are less likely to choose financial institutions to meet their financial needs, so the use of financial resources in rural areas is less efficient. However, financial support is indispensable to rural development, so it is necessary to eliminate the digital divide, improve financial literacy, increase the applicability of digital inclusive finance and promote rural revitalisation.
