互联网背景下农村金融产品与服务创新研究

中图分类号：F323 文献标志码：A 文章编号：2096-9902（2025）23-0104-06

Abstract：AgainstthebackdropoftheInternet，ruralfinancialdevelopmenthasusheredinnewopportunities.Thisstudy comprehensivelyanalyzesrelevantliteratureanddeplyexplorestheinnovationpathsandimpactsofruralfinancial productsand services.Innovationincreditproductsisreflectedinloanuse，repaymentmethods，creditenhancementandblockchain aplications;agriculturalinsuranceproductsusebigdatatoachieveaccuratepricingandlaunchavarietyofnew insurances. Serviceimnovationcoversonlineandoflineintegrationandsuppychainfinanceservicemodels.Theseinnovationshaveimproved theconvenienceandeficiencyoffinancialservices，optimizedresourceallcationandpromotedruraleconomicdevelopnt，but theyalsofacechalengessuchaspolicy，infrastructure，andresidentliteracy.Thegovernmentshouldstrengthensupportand supervision，promoteinfrastructureconstructionandimproveresidents‘financialliteracytopromotesustainedinnovationand healthy development of rural finance.

Keywords： Internet; big data; rural finance;products and services;innovation

在当今数字化时代，互联网技术的飞速发展深刻影响着各行各业，农村金融领域亦不例外。（剩余9619字）