By using the theory of actor networks and taking Ant Financial as an example,an actor network has been constructed based on fast payment,Yu'E bao,and rural financial business models,and the process from starting the net payment to entering the financial market and then to exploiting the rural financial market has been analyzed,thus to open up the"technology black box"of Ant Financial's technology innovation.The study shows that the financial technology innovation of Ant Financial includes different characteristics of financial innovation,technological innovation,and regulatory innovation.Rural inclusive finance has the characteristics of public goods,and the blossom of financial technology helps to break the paradox of inclusiveness and sustainability in the development of inclusive finance in rural areas.To develop inclusive finance in rural areas by virtue of Fintech,a powerful actors network should be built by a large group of Fintech enterprises,and financial support,moderate regulation,and credit endorsement should be regulated by government to promote financial technology to truly serve agriculture,rural areas and farmers.
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