线上线下场景对乡村数字普惠金融的促进(抑制)作用
The Promotion (Inhibition) Effect of Online and Offline Scenes on Rural Digital Inclusive Finance

本文的研究内容以湖北省、贵州省、河北省等多个省份不同市县里的各个乡镇实地调查的数据为依据，对乡村居民线上线下场景的特点以及数字普惠金融的使用情况进行分析，探究两者的关系。在此基础上，提供一系列普及数字普惠金融知识的意见，致力在未来的研究中提升乡村居民数字金融素养，拓宽乡村金融服务半径，优化乡村金融生态环境，从而为乡村人民带来金融福利，助力乡村振兴建设。
In recent years, digital financial services represented by digital payment have developed rapidly in China, and the development of digital finance and inclusive finance is rapidly intersecting. At present, China has completed the arduous task of eliminating absolute poverty and moving towards the great goal of common prosperity. We still need to further address the problem of imbalance and inadequacy in development. Based on the field survey data of various towns and villages in different cities in Hubei Province, Guizhou Province, Hebei Province and other provinces, this project analyzes the characteristics of online and offline scenes of rural residents and the use of digital inclusive finance, and explores the relationship between the two. On this basis, it provides a series of opinions on popularizing digital inclusive financial knowledge, and is committed to improving the digital financial literacy of rural residents in future research, broadening the radius of rural financial services, and optimizing the rural financial ecological environment, so as to bring financial benefits to rural people and help rural revitalization and construction.