| As an emerging financial model,inclusive finance is a means to provide assistance to groups in need of financial services and promote steady economic operation and balanced industrial development.With its unique inclusiveness,inclusive finance plays an important role in promoting the modernization and transformation of agriculture and promoting the high-quality development of rural economy.In recent years,"Internet plus" has become a force that cannot be ignored in the tide of The Times,and inclusive finance has ushered in a broad prospect of digital development under the leadership of the government.In 2016,Inclusive finance was included in the 13 th Five-Year Plan,and the rural revitalization strategy was formally proposed in the report of the 19 th National Congress of the Communist Party of China,and the focus of inclusive finance was put on rural areas.With the help of digital technology,inclusive finance can reach a wider area,lower the threshold of resource use,accurately anchor service groups,improve the efficiency of resource allocation and financial assistance,and help achieve the strategic goals of rural revitalization.In this paper,the agricultural Bank of China’s "E-for benefiting farmers" product as the research object,using literature analysis and case analysis to study the innovative development of rural inclusive finance.Firstly,starting from the five general requirements under the rural revitalization strategy,the mechanism and practice of the role of inclusive finance in rural revitalization are studied,which can be summarized as financial support to promote industrial prosperity and common prosperity.Credit construction helps rural governance and civilization;Green development broadens the road of ecological livable and development,and has remarkable performance in the supply of agriculture-related loans,deepening of digital financial services,rural credit construction,and the development scale of green finance.It also summarizes the problems existing in the current development of inclusive finance to help rural revitalization.Secondly,the case study of agricultural Bank of China’s "E-for benefiting farmers" product is carried out to study its effectiveness in helping rural revitalization."E-for benefiting farmers" based on the double angles of production and consumption,from three aspects as business management,payment and credit to build support to agriculture,rural areas and farmers’ digital platform,through the industrialization of agriculture leading enterprises,rural cooperatives,county wholesalers + corresponding service point mode function,made some achievements but also give the corresponding revelation.Finally,from two aspects of improving the rural financial environment and promoting innovative development,this paper puts forward feasible suggestions for the innovative development of rural inclusive finance under the rural revitalization.Domestic studies on inclusive finance focus on the effects,problems and countermeasures of inclusive finance in rural revitalization,and there are few special case studies on the mechanism of inclusive finance in rural revitalization.In this paper,starting from the five general requirements of inclusive finance for rural revitalization,the agricultural Bank of China’s "E-for benefiting farmers" financial product is taken as an example to systematically and comprehensively analyze the development trend of inclusive finance,explore the future development direction of inclusive finance in China’s rural areas,and give corresponding countermeasures and suggestions,which are innovative to a certain extent. |
