数字普惠金融服务福建特色农业产业的现实困境与提升路径

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中图分类号：F832.35；F323 文献标志码：A 文章编号：1673—5617（2025）04—0047—06

RealisticDilemma and Promotion Pathways of Digital Inclusive Finance in ServingtheCharacteristicAgriculturalIndustryinFujian

WANGYu-tingl，XIEHou²，LIBi-zhen1²

（1.SchoolooicnalUsitouj7a；odUeityle NormalUniversity，Fuzhou，Fujian35o17，China）

Abstract：【Objective/Meaning】Inviewofthe problemsofinsuficientcoverageandservicefaultlinesof traditionalfinancial servicesinsuportingtedevelopmentofcharacteristicagriculturalindustryinFujian，thispaperdisussdhowtousetedigital inclusivefinance toprovidesolutions.【Methods/Procedures】BasedonthekeyresearchtopicofFujianProvincialCommiteeof theNationalRevoltioaryComitein25，troughteombinationofatacltionndfeldesechtedeveloptstatus andexisting dificultiesofthecharacteristicagricultural industryinFujianunderthesupportofdigital inclusivefinancewere analyzed.Basedonthis，thepromotionpathsofdigitaliclusivefinancialservicsfortecharacteristicagriculturalindustryin Fujian were put forward.【Results/Conclusions】Thestudy found that，althoughthe characteristic agricultural industryin China has madesomeprogress withthesupportofdigitalincusivefnane，itstillfacedthediffcultiessuchasisuffientcoverageand chainextensionoffinancialservices，imperfectruralresourceallcationsytemandlimitedindustryevelopmentempoweredwith finance.Therefore，aseriesof targetedcountermeasuresandsuggestions wereputforward，suchasbuildingthefiancialsvice systemofthe wholeindustrialchain，improvigtheruralfinancialologicalsystemandfinancialsrvicesytem，aimingtoprovide theoreticalsupportandpracticalguidanceforthedigitalinclusivefinancetobeterservethedevelopmentofthecharacteristic agricultural industry in Fujian.

KeyWords：digital inclusive finance；characteristic agricultural industry；Fujian

2025年中央一号文件将“发展新质生产力”与“打造特色农业产业”列为乡村振兴战略的核心任务，明确要求将解决好“三农”问题作为全党工作的重中之重。（剩余8841字）