| Agricultural and rural development needs strong financial support,but the traditional rural inclusive financial system is facing dilemma and cannot provide the needed financial services for agricultural and rural development.The broad application of digital technology in financial field has broken the theoretical and practical dilemmas of the traditional rural inclusive finance,covered universality,inclusiveness,and risk of inclusive finance at the same time,and incorporated the groups excluded from traditional finance into Rural Digital Inclusive Finance,including rural residents and agricultural enterprises.Rural digital Inclusive Finance and agricultural and rural development interact with each other.Rural Digital Inclusive Finance plays a vital role to agricultural and rural development.Rural Digital Inclusive Finance seems only like a financial topic,however,because it involves substantial rural users and other different parties,its development level is closely related to social equity and justice,urban-rural relations,etc.,so that Rural Digital Inclusive Finance is also a subject of economic and social development.If only study Rural Digital Inclusive Finance from the financial perspective,we may not be able to better connect it with politics,economy,society,and other aspects,and can’t obtain a more systematic and comprehensive understanding.This paper attempts to study the development system of Rural Digital Inclusive Finance from the perspective of political economics,hoping through the interdisciplinary perspective and research methods,we can more comprehensively understand the development requirements and difficulties of Rural Digital Inclusive Finance,and explore how to form a better interaction between Rural Digital Inclusive Finance and agricultural and rural development.The core of this paper is to construct the DMM analysis framework of "Digital Technology-Main Body-Model" for the development of Rural Digital Inclusive Finance with the political economics methodology.By in-depth analysis of digital technology,main bodies,and different models,to explore the internal relationship and operation mechanism of the three aspects,and to consider how to better promote the development of Rural Digital Inclusive Finance.Based on the DMM analysis framework,this paper builds an evaluation indicator system for the development of Rural Digital Inclusive Finance,and another evaluation indicator system for agricultural and rural development.To verify the relationship between the two indicator systems with empirical analysis method based on quantitative assessment of both systems.By the aforementioned research,hoping to get some enlightenment and thinking in both theory and practice of Rural Digital Inclusive Finance.The paper consists of four parts.The first part is composed of the first three chapters which includes the research background,basic theories,and development necessity analysis.This part mainly focuses on combing the relevant concepts of Rural Digital Inclusive Finance,analyzing different research phases of inclusive finance,digital inclusive finance,and Rural Digital Inclusive Finance;this part also combs and analyzes the relevant Marxist theories and Western economic theories related to Rural Digital Inclusive Finance.Marxism’s argument on the contradiction and unity between productivity and production relations,economic foundation and superstructure is the primary theoretical basis to support the development of Rural Digital Inclusive Finance.In addition,the Marxist viewpoints of finance also provide important theoretical guidance to the development of Rural Digital Inclusive Finance.Because of the inborn boundedness of Western Economics,it inspirates us for choosing better direction of Rural Digital Inclusive Finance from negative side.Then,this paper demonstrates the necessity of the development of Rural Digital Inclusive Finance from three aspects.For the development of Rural Digital Inclusive Finance,the digital economy is the precondition,the dilemma of the traditional financial system is the basic driving force,and the practice at home and abroad provides a realistic basis.The second part is one of the core parts of this paper,which consists of four chapters.Firstly,to set up the DMM analysis framework from the perspective of political economics,and to expound the framework’s core concepts,relationship and operation mechanism;and then to respectively analyze the three components of the analysis framework.Starting with the development goal of Rural Digital Inclusive Finance,this part analyzes and demonstrates how to achieve the goal effectively.The realization of the development goal of Rural Digital Inclusive Finance needs to be supported by digital technology,the collaborative participation of all parties,and guaranteed by effective development models.Based on such analysis logic,the DMM analysis framework of "Digital Technology-Main Body-Model" has been formed.As for digital technology,we need to constantly carry out iterative upgrading,expand the application of digital technology in Rural Digital Inclusive Finance,and strengthen the construction of rural digital infrastructure,so that we can form a more comprehensive and effective technical supporting system.In terms of main bodies,as the builders and beneficiaries of Rural Digital Inclusive Finance,the government,enterprises,rural collective economic organizations and farmers need to find a balance point in their competition,cooperation and constraints to form effective coordination.The development model of Rural Digital Inclusive finance can be divided into government led,market led and multi-party cooperation models.These three models have their own advantages and disadvantages,can be adopted in different regions with different resources and capacity endowment,reflecting the institutional guarantee for the development of Rural Digital Inclusive Finance.The third part is another core part of this paper,consisting of two chapters,mainly focusing on empirical analysis.First,it combs the indicators that may have an impact on Rural Digital Inclusive Finance from digital technology,main bodies and models,and forms an evaluation indicator system of Rural Digital Inclusive Finance based on DMM analysis framework.Then,through the study of agricultural and rural development,to comb and form the evaluation indicator system to measure the level of agricultural and rural development.Based on the evaluation and analysis of the two sets of indicators,the paper further makes an empirical analysis of the relationship between Rural Digital Inclusive Finance and agricultural and rural development.By the above research,it finds that there is a significant positive correlation between Rural Digital Inclusive Finance and agricultural and rural development.However,from the analysis of sub indicators,it is found that the correlation is not only positive promotion,but also has some multidimensional nature.The development of Rural Digital Inclusive Finance not only promotes the level of agricultural and rural development,but also brings some negative effects to agricultural and rural development.The fourth part describes the main research conclusions,policy recommendations and research prospects.Based on the aforementioned analysis,to form the main research conclusions of this paper,and put forward policy construction suggestions from fiscal policy,financial policy,technology policy and talent policy.Finally,it makes prospect of the possible future research directions of this topic based on the research progress of this paper.The innovation of this paper mainly includes the following aspects:The first is to study Rural Digital Inclusive Finance from Political Economics view.In recent years,the academic community has begun to carry out research on digital related issues from the perspective of Political Economics and obtained abundant research results.This paper provides a new research perspective for Rural Digital Inclusive Finance under the guidance of Political Economics.It builds up theoretical framework of Rural Digital Inclusive Finance under Political Economics paradigm,finds out main problems of Rural Digital Inclusive Finance and makes policy suggestions from the perspective of Political Economics.The second is to build an analytical framework of Rural Digital Inclusive Finance under the theoretical guidance of political economics.Taking digital technology,main bodies and development models as the breakthrough point,based on the classical theories of Marxist political economics,to build a triunity theoretical analytical and practical guidance framework.In addition,when analyzing the main bodies in the political and economic analysis framework of Rural Digital Inclusive Finance,respectively from the two different roles of builders and beneficiaries,aiming at the functions of builders and beneficiaries undertaken by various main bodies,the paper explores the role of different main bodies in promoting the development of Rural Digital Inclusive Finance.Through the analysis of the competition,cooperation and restriction between different main bodies,this paper combs the internal relationship between different main bodies and discusses how to form a more effective main body coordination mechanism.The third is to establish an evaluation indicator system of the development of Rural Digital Inclusive Finance based on the political economic analysis framework,and to evaluate and guide the development of Rural Digital Inclusive Finance.Guided by the analysis method of political economics,using DMM analysis framework,based on combing the evaluation dimensions of traditional inclusive finance,to add indicators closely related to rural finance and digital technology.This paper forms an evaluation indicator system composed of digital technology,main bodies and development models,hoping it can evaluate the development of Rural Digital Inclusive Finance more specifically and more comprehensive.In addition,this paper establishes an evaluation indicator system for agricultural and rural development,and makes an empirical analysis of the relationship between Rural Digital Inclusive Finance and agricultural and rural development based on the indicator system.This makes the research more practical.Through qualitative and quantitative analysis,this paper mainly draws the following conclusions: Firstly,Rural Digital Inclusive Finance is the product of the development trend of digital productivity,it’s extremely necessary to develop Rural Digital Inclusive Finance.Secondly,the development of Rural Digital Inclusive Finance needs to organically combine digital technology,main bodies and development models.Advanced and safe technical support,the cooperation of all bodies,and the system and mechanism guarantee corresponding to the development model are indispensable.Thirdly,there are multiple internal relations between the development of Rural Digital Inclusive Finance and the development of agriculture and rural areas.We need to pay attention to the negative impact on the development of agriculture and rural areas and avoid it while promoting the development of agriculture and rural areas through Rural Digital Inclusive Finance.Fourthly,in addition to the financial policy,the development of Rural Digital Inclusive Finance needs to establish a more comprehensive and reasonable policy system from the aspects of technology,talent,fiscal aspect and so on. |
