Research On The Legal Supervision Of Digital Inclusive Finance In Rural China

In 2021,the No.1 Central Document first proposed the "development of rural digital inclusive finance".Obviously,as an important driving force for the implementation of the rural revitalization strategy,rural digital inclusive finance is highly expected.Rural digital inclusive finance helps to solve the difficult and expensive financing problems in rural areas.With the characteristics of sharing,convenience,low cost and low threshold,it can extend the antenna of financial services,expand the scope and coverage of services,so that farmers can truly enjoy formal digital financial services.Therefore,the development of rural digital inclusive finance is an inevitable requirement to change the current situation of rural finance.Rural areas in China in terms of economic development level compared to the city is relatively backward,at the same time,in the aspect of legal system construction is also more weak Therefore,the development of rural pratt &whitney financial also fell into trouble: The main body of financial supervision is not clear;the market access and exit mechanism is not perfect;the supervision of rural personal credit market is imperfect;there is a lack of effective supervision mode of rural digital inclusive finance;the legal risk prevention mechanism of rural digital inclusive finance is lack of effectiveness.These legal system problems have seriously hindered the orderly development of rural digital inclusive finance,so improving the legal system is the premise of realizing orderly development of rural digital inclusive finance.Through sorting out relevant literature at home and abroad,the current research on rural digital inclusive finance is mainly conducted from the perspective of finance and economics,and the supervision of rural digital inclusive finance is not discussed from the perspective of law.Therefore,from the perspective of economic law,it is of great significance to analyze the existing problems in the supervision of rural digital inclusive finance and put forward corresponding countermeasures to improve the legal system,so as to realize the legal path of rural digital inclusive finance and effectively protect the legal financial rights of rural financial consumers.In order to meet the new requirements of the development of China’s rural digital inclusive finance,this paper intends to study and analyze the problems and countermeasures existing in the legal regulation of China’s rural digital inclusive finance.Firstly,literature analysis is used to sort out the research status of rural digital inclusive finance at home and abroad,and analyze the necessity of supervision by summarizing the concept,characteristics,main operation mode,value significance and existing risks of rural digital inclusive finance.Secondly,empirical analysis is used to consider the development status of China’s rural digital inclusive financial supervision,and the current financial supervision system model of China is sorted out.This paper investigates the case of rural supply chain finance digitization and puts forward some problems in its development process.Existing regulatory laws,policies and regulations were reviewed.Finally,Put forward suggestions and countermeasures for legal supervision,and establish the basic principles of inclined protection and effective supervision;Improve laws and regulations,fill the gaps and loopholes in current legislation,improve efficiency,clarify the regulatory power of financial subjects,formulate rules and standards for digital business and technology,clarify the legal system of market access and exit,improve the regulatory system of personal credit market,and strengthen the protection and supervision of the financial rights of vulnerable farmers;Build a penetrating and diversified collaboration system to better supervise the development of rural digital inclusive finance;keep up with the development trend of financial technology innovation,innovate the risk prevention mechanism of financial science and technology supervision,build a "sandbox supervision" risk prevention mechanism,realize the localization of rural digital inclusive finance "sandbox supervision",and use blockchain technology to build an information sharing risk prevention mechanism.