金融服务下沉农村电子商务的发展研究

Research on the Development of Rural E-Commerce in the Sinking of Financial Services

摘要: 随着我国经济的蓬勃发展，电子商务已经渗透到各行各业，它不仅带动了农村市场经济的发展，为乡村振兴战略的实施发挥了强有力的作用，同时也为金融服务领域带来诸多的机遇和创新。金融服务在支持农村电子商务方面取得了显著的进展，但农村电子商务的进一步发展需要金融服务的下沉和创新，本文通过分析金融服务与农村电子商务二者的关系及相互作用的机理，探究出二者是相互融合、互利共赢的关系，并且在金融服务下沉农村电子商务的过程中存在农村金融服务网点分布不足、农村信用体系不健全、农村法律资源分布不均等问题，并提出了相应的建议及解决对策，以期为金融推动农村电子商务的发展提供理论借鉴。

Abstract: With the vigorous development of China’s economy, e-commerce has penetrated into various industries. It not only drives the development of rural market economy and plays a strong role in the implementation of rural revitalization strategy, but also brings many opportunities and innovations to the field of financial services. Financial services have made significant progress in supporting rural e-commerce, but further development of rural e-commerce requires the sinking and innovation of financial services. This article analyzes the relationship and interaction mechanism between financial services and rural e-commerce, and explores the mutual integration and win-win relationship between the two. In the process of sinking financial services into rural e-commerce, there are problems such as insufficient distribution of rural financial service outlets, incomplete rural credit system, and uneven distribution of rural legal resources. Corresponding suggestions and solutions are proposed to provide theoretical reference for finance to promote the development of rural e-commerce.