金融学院知识库

    With the rapid growth of China's total economic volume, the 
continuous improvement of people's living standards and the realization 
of the Chinese dream of the great rejuvenation of the Chinese nation, it is 
urgent to shift China's economic development from the high-speed 
development track line to the high-quality development track line, 
optimize the traditional industrial structure, tap the new driving force of 
the industry, and realize the coordinated development of urban and rural 
integration. In the report of the Nineteenth National Congress, it was 
proposed to implement the strategy of rural revitalization, solve the "three rural problems", narrow the gap between urban and rural areas, and achieve the comprehensive rejuvenation of rural areas. The No. 1 
document of the Central Committee in 2022 pointed out that it is 
necessary to firmly adhere to the two bottom lines of ensuring national 
food security and not returning to poverty on a large scale, highlight 
annual tasks, targeted measures, and practical orientation, give full play 
to the leadership role of rural grass-roots party organizations, do a solid 
and orderly job in rural development, rural construction, and rural 
governance, and promote new progress in rural revitalization and new 
steps in agricultural and rural modernization. To achieve rural 
revitalization, we need to take innovation as the core and integrate 
Internet digital technology into all walks of life in rural areas, especially 
the financial industry. As a combination of Internet technology and 
inclusive finance, digital inclusive finance plays a positive role in 
promoting rural revitalization. The development of digital inclusive 
finance promotes the construction of communication infrastructure in 
rural areas, reduces financial transaction costs, alleviates financial 
exclusivity, and plays a positive role in promoting industrial development, risk prevention, education support and credit reporting system 
improvement in rural areas, and consolidates the victorious results in the 
battle against poverty.Based on the systematic review of the literature on 
digital financial inclusion and rural revitalization, this paper summarizes 
the research content and research methods. By analyzing the theoretical 
basis and practical conditions of the rural revitalization strategy and 
digital inclusive finance, the entropy method was chosen to construct the 
rural revitalization evaluation index system of 14 prefecture-level cities 
(autonomous prefectures) in Gansu Province. Using the constructed rural 
revitalization index and the digital financial inclusion index of 14 
prefecture-level cities (autonomous prefectures) in Gansu Province 
measured by Peking University to analyze the degree of coupling and 
coordination between the two systems; Explore the linear relationship 
between the two; consider the "U-shaped" nonlinear relationship between the two to study through the NLS model. 
    The research shows that the coupling coordination degree between the digital financial inclusion index and the rural revitalization index in 
14 prefecture-level cities (autonomous prefectures) in Gansu Province has 
basically undergone a process of gradually transforming from serious 
imbalance or reluctance to good coordination or high-quality coordination, indicating that rural revitalization and development It is more sensitive to digital financial inclusion, and the positive coupling between the two is stronger and gradually develops in an orderly direction. Through empirical analysis, it can be seen that in the static and dynamic model analysis, digital financial inclusion and rural revitalization have a positive promotion effect, and the nonlinear regression model shows that the growth rate of rural revitalization decreases with the deepening of digitalization. 
    According to the research results, reasonable countermeasures are 
put forward for the rural revitalization and development of Gansu 
Province's digital inclusive finance. First, improve the infrastructure 
construction of digital inclusive finance in Gansu Province to promote 
economic development in rural areas. Use Internet communication 
technology to closely link cities and rural areas to avoid the problem of 
increased costs caused by information lag. Actively promote the reform 
of payment and settlement in rural areas. Second, Gansu Province should 
improve the digital inclusive financial supervision and credit reporting 
mechanism, establish a long-term and effective rural development system, strictly control financial risks in rural areas, establish special accounts for emergency response, and put risk control in the first place. Third, Gansu Province has formulated preferential digital inclusive financial policies for areas with relatively slow economic growth such as Gannan Prefecture, Jiayuguan City, and Qingyang City, to stimulate economic development and attract talents to return. Fourth, from the perspective of how digital inclusive finance can better promote rural revitalization and development, the efficiency of financial services such as wealth management, emergency loans, and agricultural insurance in rural areas should be improved.