Research On The Measures Of Digital Financial Inclusion Facilitating Rural Revitalization In Queshan County

The "Rural Revitalization Strategy" was proposed in the report of the 19 th National Congress of the Party.The strategy pointed out that the issue of "agriculture,rural areas and farmers" is the top priority of the work of the party and the state.If rural financial support is indispensable,especially inclusive financial,the in-depth development of rural inclusive financial plays a significant role in advancing the rural revitalization strategy and realizing agricultural and rural modernization.Fintech represented by big data,cloud computing,artificial intelligence,blockchain,Internet of Things,etc.has continuously iterated and innovated,reconstructed the business logic of traditional finance in the field of inclusive financial,and enhanced the reach of inclusive financial.The service boundary of inclusive financial has been continuously extended,providing technical feasibility for resolving the fundamental contradiction of inclusive finance.Since Queshan County was established as an inclusive finance pilot at the end of 2017,the financial development in the area has achieved remarkable results,and actively explored new development paths,try to make digital financial inclusion development the focus of future inclusive financial development,and strive to promote the real goal of rural revitalization in Queshan County.Based on the financial development theory,financial innovation theory,power mechanism theory,and the poverty reduction effect theory of financial development,this paper takes digital financial Inclusion as a research object to assist the revitalization and development of rural villages in Queshan County,and comprehensively uses literature analysis and survey research methods.And case analysis method,grasped the development advantages of digital financial Inclusion development in promoting rural revitalization of Queshan County,and analyzed in detail the main problems in the development,such as imperfect government top-level design,lack of legal protection,and imperfect supervision system The direction of the credit system construction is unclear,the development of digital financial Inclusion in Queshan County helps rural revitalization with incomplete infrastructure,the credit sharing mechanism and risk control system are incomplete,the use ofdigital inclusive finance products is insufficient,and the innovation of financial products and services Insufficient,inadequate digital financial Inclusion insurance support,as well as insufficient willingness of farmers to participate due to inadequate consumer rights protection system and insufficient participation capacity of farmers due to poor financial knowledge of farmers.In addition,by drawing on the successful experience of digital financial Inclusion development in Lankao County,Henan Province and Ningbo,Zhejiang Province,it provides some development inspiration for the development of digital financial Inclusion in rural areas in Queshan County to help rural revitalization.The development suggestions for the rural revitalization of Queshan County are mainly to improve the top-level design,speed up digital financial Inclusion legislation,improve the supervision mechanism and risk prevention and control system,accelerate the construction of credit system,strengthen the construction of infrastructure,promote the use of digital financial Inclusion products,and innovate Financial products and services,increase farmers' willingness and ability to participate,and actively promote digital financial Inclusion insurance.It is believed that with the joint efforts of the government,financial institutions and all residents of Queshan County,Queshan County will certainly accelerate the pace of rural revitalization strategy through the development of digital financial Inclusion and achieve the rural revitalization strategic goals of strong agriculture,rural beauty,and rich farmers.