普惠金融助力乡村振兴探究——基于城乡融合视角
Inclusive Finance Helps Rural Revitalization—Based on the Perspective of Urban-Rural Integration

近年来，随着社会经济不断发展，城乡一体化融合发展成为乡村振兴的关键。进一步改善普惠金融的环境，促进金融产业与农业农村深度结合对于有力推进乡村振兴具有重要意义。就发展而言，乡村振兴离不开产业经济的良性循环，“互联网 + 农业”、新型农业科技等的发展与应用使得普惠金融对城乡融合影响机制发生深刻变化。但与此同时，部分地区仍存在普惠金融发展不平衡，从而导致城乡融合缺乏持久动力的问题。如何破解新型城乡融合发展发展难题、走出困境？探究背后的影响机制与路径，并运用其指导构建中国特色方案，对于助力普惠金融、城乡融合与乡村振兴至关重要。
In recent years, with the continuous development of social economy, the integrated development of urban and rural areas has become the key to rural revitalization. It is of great significance to further improve the environment for inclusive finance and promote the in-depth integration of the financial industry with agriculture and rural areas to effectively promote rural revitalization. As far as development is concerned, rural revitalization is inseparable from the virtuous cycle of industrial economy, and the development and application of “Internet + agriculture” and new agricultural science and technology have made profound changes in the impact mechanism of inclusive finance on urban-rural integration. However, at the same time, there is still an imbalance in the development of inclusive finance in some regions, which leads to the lack of lasting momentum for urban-rural integration. How to solve the problem of new urban-rural integration development and get out of the predicament? Exploring the influencing mechanisms and paths behind them, and using them to guide the construction of solutions with Chinese characteristics, is crucial to help inclu-sive finance, urban-rural integration and rural revitalization.