数字金融推进乡村产业振兴的内在逻辑与优化路径研究

——基于C县银行涉农数字信贷的案例分析

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中图分类号：F323 文献标志码：A 文章编号：2096-9902（2026）02-0089-09

Abstract：Digitalcreditisanimportantformofdigitalfinance.Thispapertakestheagriculture-relateddigitalcreditof banksinCountyCasanexampletoanalyzeindetailtheinternallogicandoptimizationpathofdigitalfinancetopromoterural industrialrevializationthroughdigialcredit.Thestudyfoundthatdigitalcreditcansolvethefinancingdilemmabroughtby traditionalcredittoagriculturalbusinessentitiesinCountyC.Fromthethreedimensionsofextensivecoverage，precisesuport anddeepeningservices，itcanpromotethelarge-scaleandhigh-qualitydevelopmentofruralindustriesthrough"breakingdown informatiobaiersandimprovingtheavailabilityofceditresourcesiovatingproductsandservices；enancingthematchngof creditsupplyanddemand;optimizingfundallcation，andensuringtheguidanceofcreditservices"threepathstopromotethe large-scaleandhigh-qualitydevelopmentofruralindustries，therebypromotingtherevitalizationofruralindustries.Inviewof themainconstraintsfacedbydigitalcreditinpromotingtherevitalizationofuralindustries，countermeasuresandsuggestiosare putforwardtooptimizetheruraldigitalecologicalenvironment，improvetheconstructionoftheruralcreditsystem，andbuilda risk monitoring and prevention mechanism.

Keywords：digital credit;rural industry revitalization;case study; intrinsiclogic;optimization path

乡村振兴战略是国家发展战略的重要组成部分，乡村产业振兴是实现乡村全面振兴的核心基础。（剩余11576字）