闫兴：农村数字普惠金融服务仍需补短板

Core Viewpoint - The development of rural digital inclusive finance in China is progressing positively, driven by policies aimed at enhancing financial services for rural areas, but there are still significant shortcomings that need to be addressed [1] Group 1: Information Sharing Mechanism - Establish a robust information sharing mechanism by integrating existing platform resources and defining data sharing responsibilities among various departments, including agriculture, market regulation, and taxation [2] - Include key data such as land rights confirmation, agricultural machinery subsidies, business flow, and tax records in the shared data scope, while standardizing data formats and update cycles [2] - Create a special fund for agricultural data governance to support local platform upgrades and establish a data quality traceability mechanism to ensure data accuracy [2] Group 2: Evaluation Dimension Improvement - Develop a multi-dimensional and dynamic rural credit evaluation system to enhance the accuracy of credit assessments [3] - Standardize rural credit evaluation criteria to include dynamic data reflecting operational capabilities, such as production scale and sales prices, along with soft information related to moral character [3] - Implement a collaborative information collection mechanism involving government, financial institutions, and village committees to ensure comprehensive credit rating coverage for farmers [3] Group 3: Bridging the Digital Finance Gap - Create a nurturing mechanism led by the government, with participation from financial institutions and village organizations, to improve farmers' financial literacy and digital skills [4] - Develop a rural digital financial literacy enhancement action plan that includes training on financial risk prevention and the use of digital tools [4] - Encourage financial institutions to design user-friendly digital services for elderly farmers, ensuring accessibility and usability of digital financial services [4]