Research On The Digital Inclusive Finance Assisting Rural Poverty Prevention From The Perspective Of Marxism

Vigorously developing rural digital inclusive finance is an important way and guarantee to help rural areas prevent poverty and realize the effective connection between consolidating and expanding the achievements of poverty alleviation and rural revitalization.It is a systematic project to prevent the people out of poverty from returning to poverty,consolidate and expand the achievements of poverty alleviation,and comprehensively promote rural revitalization.The financing support of rural digital inclusive finance plays an irreplaceable role.Giving full play to the characteristics of fairness,inclusiveness and innovation of inclusive finance,vigorously developing rural digital inclusive finance will help improve the coverage,availability and satisfaction of rural financial services,help promote rural inclusive growth and rural poverty prevention,help promote the stability and development of rural financial markets,and ultimately promote comprehensive rural revitalization.The credit theory and poverty theory of Marxism play an important guiding role and era value in promoting the development of rural digital inclusive finance and rural anti-poverty in China.This paper focuses on the path selection of rural digital inclusive finance to help rural areas prevent poverty in the new era,so as to promote the development of Chinese-style agricultural and rural modernization.This paper is divided into six parts :The first part is the definition and theoretical analysis of digital inclusive finance and anti-poverty related concepts.Digital Inclusive Finance is a new financial form developed on the basis of microcredit,microfinance and inclusive finance.Its core is the organic combination of digital technology and inclusive finance.Rural inclusive finance and rural digital inclusive finance are the extension and due of inclusive finance and digital inclusive finance in rural areas.In addition to the fairness,inclusiveness,innovation,credibility and diversity of inclusive finance,digital inclusive finance also has new features such as convenience,low cost and security.There is a close internal correlation between digital inclusive finance and rural anti-poverty.Helping poverty alleviation and anti-poverty is the service object and purpose of rural digital inclusive finance.At the same time,rural anti-poverty also contributes to the stability and development of rural financial markets.Vigorously developing rural inclusive finance and preventing poverty return is an important prerequisite for developing rural digital economy and promoting rural revitalization,a necessary condition for promoting agricultural and rural modernization,and an inevitable requirement for achieving common prosperity in rural areas.The second part is the analysis of the development process and current situation of digital inclusive finance to help rural poverty alleviation and prevention.Digital Inclusive Finance has helped rural poverty alleviation and anti-poverty through the service stage of digital traditional financial institutions,the rural industrial chain financial service stage based on the e-commerce platform,the third-party Internet financial platform service stage,and the ’Internet + ’ rural supply chain financial service stage.At present,digital inclusive finance has achieved certain results in helping rural areas to prevent poverty return,mainly in the aspects of clearer top-level design,expansion of financing support scale,optimization of infrastructure,strengthening of demand-side rights protection,and expansion of model channels.The third part is the mechanism and mode application of digital inclusive finance to help rural poverty prevention.Digital inclusive finance has its unique mechanism of action to help rural areas prevent poverty return,that is,to enrich the innovative mode of rural inclusive finance with the development of digital inclusive finance,to help expand the channels of preventing poverty return,to break through the time and space constraints of credit financing,to improve the coverage,availability and satisfaction of rural inclusive finance,and to reduce the risk of poverty return.In reality,digital inclusive finance has adopted various practical modes such as rural digital credit,rural digital payment,rural digital benefiting farmers ’financial management,rural digital insurance,and rural digital integrated service platform to help rural areas prevent poverty.The fourth part analyzes the problems and obstacles of digital inclusive finance in helping rural areas to prevent poverty.These problems and obstacles are mainly manifested in the fact that the problem of difficult and expensive loans in poverty-stricken areas has not been effectively solved,there is a structural imbalance in the rural inclusive financial organization system,and the relevant scene construction and infrastructure construction need to be strengthened,the relevant system mechanism needs to be improved,and the industrial base of preventive products and the rural financial environment need to be improved.The fifth part is the case and experience of digital inclusive finance to help rural poverty prevention.This part makes a case study on the practical exploration and mode of digital inclusive finance at home and abroad to help poverty alleviation and prevention.For example,Africa ’s mobile currency technology system,Grameen Bank(GB)operation model,India ’s three-in-one " JAM " system,the United States ’ financial technology service model,Anhui Jinzhai model,Sichuan Mianyang Beichuan Credit Cooperative model,Henan Lankao One platform four system model,etc.While analyzing the case,it also summarizes the experience that can be used for reference.The sixth part is the path choice of digital inclusive finance to help rural poverty prevention in the new era.It mainly includes adhering to the people-centered concept of rural poverty prevention and rural digital inclusive financial development,building a multi-level digital inclusive financial organization system,building a diversified digital inclusive financial service system,improving and perfecting the interest linkage mechanism and risk sharing and compensation mechanism of rural poverty prevention,building a solid industrial foundation for rural poverty prevention,and giving full play to the main role of farmers in poverty prevention and optimizing the rural digital inclusive financial environment,so as to better promote the modernization of Chinese agriculture and rural areas in the new era.