乡村振兴中的智慧金融驱动与路径
The Drive and Path of Smart Finance in Rural Revitalization

我们现在正处在新兴技术和金融服务浅层次融合的开始阶段，但现阶段我国农村智慧金融发展仍面临着诸多挑战：商业银行的不良贷率高、农村百姓的保险意识缺乏、农业金融机构普惠化水平程度低、农业金融机构商品和服务供给短缺、农业金融服务效率和品质亟待提高等，这些都使得智慧金融在农村地区的发展受到了限制。本文将针对上述问题提出在乡村振兴战略背景下，智慧金融助力发展的动力要素以及智慧金融创新发展的实现路径。
We are currently in the beginning stage of shallow integration of emerging technologies and financial services, but the development of smart finance in rural areas in China still faces many challenges: high non-performing loan rates in commercial banks, lack of insurance awareness among rural residents, low level of inclusiveness in agricultural financial institutions, shortage of goods and services supply in agricultural financial institutions, and urgent need to improve the efficiency and quality of agricultural financial services. All of these have limited the development of smart finance in rural areas. This article will propose the driving factors for the development of smart finance and the implementation path for innovative development of smart finance in the context of rural revitalization strategy.