农村金融服务：互联网金融防返贫模式探究

Rural Financial Services: Research on Internet-Based Anti-Poverty Models

摘要: 继2020年全国取得扶贫攻坚全面胜利成果之后，防返贫成为兴农致富征程的又一项艰巨任务。围绕关于防止返贫动态监测和帮扶机制的工作部署，结合国家多年来农村扶贫工作经验和互联网金融支持电商经济发展形势，采用文献检索法、推理演绎法和案例分析法等，在阐述互联网金融防返贫模式相关概念基础上，分析了农村互联网金融防返贫的优势与经典案例，重点探索了互联网金融防返贫路径与模式，系统地提出了互联网金融助力防返贫兴农致富的建议，主张电子商务与互联网金融服务有机结合，充分发挥高职院校的科技智慧力量，通过防返贫工作保障农民永久脱贫致富。

Abstract: Following the comprehensive victory in poverty alleviation nationwide in 2020, preventing relapse into poverty has become another arduous task on the journey to prosperity through agriculture. Aligned with Committee’s work deployment on dynamic monitoring and assistance mechanisms for preventing relapse into poverty, and leveraging years of experience in rural poverty alleviation and the development of internet finance supporting e-commerce economy, this study employs methods such as literature review, deductive reasoning, and case analysis. Based on elucidating the relevant concepts of internet finance-based anti-relapse into poverty models, it analyzes the advantages of rural internet finance in this regard and classic cases. The study primarily explores the pathways and models of internet finance in preventing relapse into poverty, systematically proposes suggestions for internet finance to assist in this cause and promote agricultural prosperity, advocating for the organic integration of e-commerce with internet financial services. It emphasizes fully harnessing the technological and wisdom power of higher vocational colleges to ensure permanent poverty alleviation for farmers through anti-relapse into poverty efforts.