乡村科技2025,Vol.16Issue(15) :70-73.DOI:10.19345/j.cnki.1674-7909.2025.15.014

数字普惠金融促进黑龙江省农村金融可持续发展的机制与路径

Research on the Mechanism and Pathways of Digital Inclusive Finance Promoting the Sustainable Development of Rural Finance in Heilongji-ang Province

霍镜宇
乡村科技2025,Vol.16Issue(15) :70-73.DOI:10.19345/j.cnki.1674-7909.2025.15.014

数字普惠金融促进黑龙江省农村金融可持续发展的机制与路径

Research on the Mechanism and Pathways of Digital Inclusive Finance Promoting the Sustainable Development of Rural Finance in Heilongji-ang Province

霍镜宇1
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作者信息

  • 1. 哈尔滨金融学院计算机与数学学院,黑龙江 哈尔滨 150030
  • 折叠

摘要

研究聚焦于黑龙江省农村金融可持续发展,系统梳理其面临的融资渠道单一、服务覆盖不均、传统模式效率滞后等核心问题,深入分析数字普惠金融在当地农村的发展现状,从供需矛盾、金融风险、金融创新等多方面揭示数字普惠金融对金融可持续发展的促进机制.在此基础上,综合运用实证分析与案例研究方法,验证相关假设并总结实践经验.研究表明,数字普惠金融可有效促进黑龙江省农村金融可持续发展,为黑龙江省农村金融发展提供新路径.

Abstract

This study focuses on the sustainable development of rural finance in Heilongjiang Province,systematically addressing core issues such as single financing channels,uneven service coverage,and the lagging efficiency of traditional models.It provides an in-depth analysis of the de-velopment status of digital inclusive finance in local rural areas,and reveals its mechanisms for pro-moting sustainable development from perspectives including supply-demand contradictions,finan-cial risks,and financial innovation.Using empirical analysis and case study methods,relevant hy-potheses are tested and practical experiences are summarized.The research demonstrates that digital inclusive finance can effectively promote the sustainable development of rural finance in Heilongji-ang Province,offering new pathways for its development.

关键词

数字普惠金融/农村金融/可持续发展/机制

Key words

digital inclusive finance/rural finance/sustainable development/mechanism re-search

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出版年

2025
乡村科技
河南省科学技术信息研究院

乡村科技

影响因子:0.029
ISSN:1674-7909
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