数字经济背景下农村小额信贷可持续发展路径研究——以蚂蚁金服为例

Research on the Sustainable Development Path of Rural Microfinance in the Context of the Digital Economy—A Case Study of Ant Financial

摘要: 农村小额信贷在我国扶贫攻坚项目中有着重要作用，其为一种灵活且低门槛的融资方式，为广大农村居民，尤其是小农户和微型企业提供了必要的资金支持，为经济复苏提供了动力。然而，数字经济时代来临，传统的农村小额信贷发展模式暴露了一系列问题，如贷款流程复杂、审核效率低、信贷产品单一。对此，我们以蚂蚁金服为例进行研究分析，提出农村小额信贷可持续发展的建议：建立智能信贷管理系统、分层化产品设计、发展嵌入式服务。

Abstract: Rural microfinance plays a crucial role in China’s poverty alleviation efforts. As a flexible and low-threshold financing method, it provides essential financial support to rural residents, especially small-scale farmers and micro-enterprises, thereby driving economic recovery. However, with the advent of the digital economy, the traditional development model of rural microfinance has exposed several issues, such as complicated loan processes, low approval efficiency, and a lack of product diversity. In this study, we analyze Ant Financial as a case study and propose recommendations for the sustainable development of rural microfinance: establishing an intelligent credit management system, designing layered and diversified products, and developing embedded services.