Research On The Poverty Reduction Effect Of Digital Inclusive Finance On Rural Relative Poor Population

Poverty is a long-term problem facing all countries and regions in the world,and also one of the major problems to be tackled.To eliminate absolute poverty in2020 and realize the basic modernization in 2035,the proportion of the middle-income group increased significantly,and the common prosperity to get substantial progress and breakthrough,To realize the common prosperity of all people is the beginner’s mind and long-term mission of Chinese Communist Party.It is also the common goal of the Party and the people.Under the proposition of common prosperity strategy,the specific problems involved and the realization approach are relatively complex.Among them,the goal of income structure should be to solve the problem of inequality,that is,how to change the olive-type structure into a pagoda type,and how to solve the relative poor population should be taken first,instead of giving priority to the plan to increase the middle-income group.Eliminating the relative poor population in rural areas is the key to achieve common prosperity.The G20 Advanced Principles on Digital Financial Inclusion proposed at the G20 Summit in 2016 further pointed out that digital financial inclusion mainly includes various financial products and services,such as Internet payment and credit,Internet credit,Internet insurance,Internet funds,etc.Digital inclusive finance can effectively reduce the cost and threshold of financial services,and break through the "last mile" of inclusive finance with the help of digital technology,so that more poor groups can enjoy the financial services they need.This paper mainly studies the mitigation effect of digital inclusive finance on rural relative poverty.The research is as follows: Chapter one,firstly,the research background and significance are sorted out and described from both theoretical and practical aspects.Based on the existing research achievements in the research field,to give an account of research methods and content,The next is the concepts and theories,as well as the literature review at home and abroad,The concept definition includes inclusive finance,digital inclusive finance and poverty,absolute poverty and relative poverty;The theoretical basis includes financial inclusive growth theory,financial development-related theory and poverty and anti-poverty theory.On this basis,digital inclusive finance,rural relative poverty and the effect of digital inclusive finance on rural relative poverty.Chapter three,this chapter mainly analyzes the development status,as well as the development process,development mode and possible challenges of China’s digital inclusive finance.Chapter four,this chapter mainly analyzes the general situation of rural poverty reduction and the development status of the relative poor population,and makes specific analysis and discussion from the aspects of the rate of poverty change and the important and difficult points of relative poverty management in the new era.The fifth part is the empirical part of the study.Last,analyze the key issues hindering poverty reduction effect in detail,and put forward targeted constructive policy suggestions.Studies show that digital inclusive finance has a significant slowing effect on rural relative poverty.Digital inclusive finance has regional development imbalance,and its coverage breadth,depth of use and digitalization degree also have development differences.Human capital can significantly improve the incidence of relative poverty in rural households.Finally,this study believes that,as the carrier of digital inclusive finance,the optimization of network communication facilities and the popularization of intelligent terminals can fundamentally and effectively reduce the economic cost and time cost of rural digital inclusive finance operation.The development differences not only between rural areas and urban areas but also between eastern and western regions that mainly due to economic reasons.The population loss caused by industrial development and concentration makes rural areas become hollow villages,so rural economy should be vigorously developed.At the same time,we will focus on the reform of the rural financial market,promote the digitization and intelligentization of traditional financial institutions and relevant market participants,standardize the credit system and supervision system of the financial market,and more effectively alleviating relative poverty in rural areas.