数字金融助力乡村振兴：作用机制、现实困境与法治路径——基于肇庆X村的分析

Digital Finance Helps Rural Revitalization: Mechanism, Dilemma and Path of Rule of Law—Based on the Analysis of Zhaoqing X Village

摘要: 数字金融是将数字技术应用金融活动之中，具有便利性、普及性的特点。通过对X村的调研并分析，可以了解到，数字金融在乡村振兴中发挥了积极作用，能够有效破解农村融资困境、提升乡村治理效能、促进农民增收致富。但就目前发展而言，面临着数字金融产品配套供给不到位、数字金融监管体系不完善、金融参与主体参与力度有所欠缺等发展困境。因此，为有效发展数字金融，以助力乡村振兴，其法治发展路径应从完善数字金融产品的配套供给制度、健全数字金融的监管体系、激发数字金融各方主体的参与动力等方面着力。

Abstract: Digital finance is the application of digital technology in financial activities, with the characteristics of convenience and popularization. Through the investigation and analysis of X village, it can be learned that digital finance has played an active role in rural revitalization, which can effectively solve the rural financing dilemma, improve the efficiency of rural governance, and promote farmers’ income. However, as far as the current development is concerned, it is faced with the development dilemma of inadequate supply of digital financial products, imperfect digital financial supervision system, and lack of participation of financial participants. Therefore, in order to effectively develop digital finance and help rural revitalization, its legal development path should focus on improving the supporting supply system of digital financial products, improving the supervision system of digital finance, and stimulating the participation of all parties in digital finance.