Rural Financial Development from the Perspective of Integrated Urban-rural Development:Mission Change,Limitation Breakthrough and Innovation Direction
Integrated urban-rural development is an essential way to achieve common prosperi-ty.The innovative development of rural finance that keeps pace with the times is the foundation and key to achieve integrated development of urban and rural areas,an objective requirement and an important component of promoting the strategy of rural revitalization,a new growth point for the development of the agricultural and rural economy under the new normal,and one of the necessary theoretical entry points to solve the problem of issues relating to agriculture,rural areas,and rural people.Through combing and reflecting on the traditional rural financial development theory,this study finds that China's rural finan-cial development under the guidance of classical rural finance theory has some problems,such as incom-plete structure,lagging risk control,insufficient integration of financial technology,unaccomplished system environment,as well as limitations in regions,industries,technologies,and fields.Therefore,based on the transformation of the mission of rural finance development from the perspective of integrat-ed urban-rural development,this paper makes theoretical reflections on the connotation and focus of ru-ral financial development,support fields,and the relationship between rural finance and urban fi-nance.Based on multifaceted and multi-level theoretical exploration and practical summary,it is found that by building a financial system that integrates urban and rural value chains,promoting modern agri-cultural development and industrial prosperity,using digital financial information and technological means,as well as the capitalization of rural resources,then to carry out systematic,holistic and coordina-ted rural financial innovation and development,which are conducive to effectively realizing integrated urban-rural development and rural revitalization.