Management application and effectiveness evaluation of digital Inclusive Finance in rural economic development
Zhou Yinan

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Abstract: This paper focuses on the management dilemma and optimization path of digital Inclusive Finance in the rural scene, and finds that the current management application faces three core challenges: the structural weakness of digital infrastructure, the lagging contradiction of risk prevention and control, and the institutional obstacles of policy coordination, which are specifically manifested in the problems of insufficient rural network coverage, credit risk agglomeration, and regulatory vacuum. In order to solve the dilemma, we need to build a three-dimensional solution through such measures as the sinking of 5g+Beidou technology, the interconnection of agricultural big data and credit reporting system, and the formulation of the list of central and local regulatory responsibilities. The study emphasized the need to narrow the digital divide with technology empowerment, balance risk prevention and control and inclusive targets with institutional innovation, and break down sectoral barriers with policy coordination, so as to finally form a governance framework of "technology system ecology" Trinity, and promote the high-quality service of digital Inclusive Finance to rural revitalization.

Keywords: Digital Inclusive Finance; Rural finance; Risk prevention and control; Policy synergy

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