随着我国加快推进建立完善多层次、广覆盖、可持续的现代农村金融服务体系，积极稳妥推动农村 数字普惠金融发展，农村金融服务可得性、覆盖面和便利性得到有效提升。中国人民银行会同农业农村 部今年印发《关于加强金融服务农村改革 推进乡村全面振兴的意见》，提出要加快涉农金融产品、服 务渠道、业务流程数智化转型，提升农村数字普惠金融水平。 三是弥合数字金融鸿沟。构建政府主导、金融机构参与、村级组织协同的培育机制，全面提升农户 金融素养与数字技能。制定农村数字金融素养提升行动计划，明确将金融风险防范、数字工具使用纳入 农民培训、村干部教育必修内容，内容涵盖数字支付安全、网络借贷风险识别、金融诈骗防范等实用知 识。推动数字金融服务适老化改造，鼓励金融机构开发"一键办贷""语音导航"等简易功能，手机银行保 留线下网点预约、人工协助入口，为老年农户等群体提供"能用、会用、敢用"的数字金融服务。 (本文来源：经济日报 作者：中共福建省委党校教授 闫兴) 为促进农村数字普惠金融健康稳定发展，发挥好金融服务乡村全面振兴的重要作用，需要从三个方 面发力，破除数据孤岛，加快信用体系建设，强化风险保障能力。 一是健全信息共享机制。整合现有平台 ...

三是弥合数字金融鸿沟。构建政府主导、金融机构参与、村级组织协同的培育机制，全面提升农户金融 素养与数字技能。制定农村数字金融素养提升行动计划，明确将金融风险防范、数字工具使用纳入农民 培训、村干部教育必修内容，内容涵盖数字支付安全、网络借贷风险识别、金融诈骗防范等实用知识。 推动数字金融服务适老化改造，鼓励金融机构开发"一键办贷""语音导航"等简易功能，手机银行保留线 下网点预约、人工协助入口，为老年农户等群体提供"能用、会用、敢用"的数字金融服务。 （作者系中共福建省委党校教授） （文章来源：经济日报） 一是健全信息共享机制。整合现有平台资源，明确农业农村、市场监管、税务、自然资源等部门的数据 共享责任，将土地确权、农机补贴、经营流水、纳税记录等关键数据纳入共享范围，统一数据格式、接 口标准与更新周期。推动政府银行担保三方系统互联互通，降低国有大行系统对接成本，对市县层面存 在差异的业务场景，制定统一操作规范，避免金融机构重复对接。设立涉农数据治理专项基金，支持地 方涉农平台升级维护，建立"谁提供、谁负责"的数据质量追溯机制，确保数据真实准确，同时制定农村 数字普惠金融数据安全管理办法，通过脱敏、加密技术保 ...

Core Viewpoint - Zhejiang Ruifeng Rural Commercial Bank's exploration and practice in the field of rural digital inclusive finance provides a valuable example for the industry, particularly through its innovation in scenario finance, which integrates financial services into various scenarios such as government affairs and people's livelihoods, thereby broadening service boundaries and offering more convenient and efficient comprehensive services to rural residents [1][2]. Group 1: Scenario Finance Innovation - Scenario finance combines financial services with specific commercial service scenarios, closely linking customer needs with financial solutions to provide more convenient, efficient, and personalized services [1]. - Financial institutions are focusing on breakthroughs in scenario finance services, achieving certain results in recent years, with innovative scenario finance becoming a key path to promote rural digital inclusive finance development [1][2]. Group 2: Agricultural Production Scene - In the agricultural production scene, financial institutions can utilize big data, IoT, and satellite remote sensing technologies to integrate data on land, crops, and agricultural materials, conducting credit assessments and risk predictions [2]. - This approach can lead to the introduction of precision credit services such as agricultural big data credit, meteorological loans, agricultural machinery loans, and IoT + supply chain finance, effectively alleviating issues like information asymmetry and insufficient collateral in traditional financial services [2]. Group 3: Rural Life Scene - In the rural life scene, financial institutions can focus on rural consumption areas, providing differentiated financial products related to family education, medical expenses, and housing improvement [2]. - Collaborations with public service units can enable online handling of livelihood payments, while partnerships with rural supermarkets and individual businesses can facilitate electronic payment solutions and financial services for fund management and value-added needs [2]. Group 4: Business Scene - In the business scene, financial institutions can design comprehensive financial solutions for emerging industries such as rural tourism, leisure agriculture, and green ecological agriculture, including project financing, consumer credit, and settlement services [2]. - For instance, financing can be provided for rural tourism projects to build facilities like guesthouses and farm stays, while also offering consumer credit services to tourists [2]. Group 5: Challenges and Solutions - Currently, innovative scenario finance faces challenges such as data integration and sharing difficulties, with rural data being dispersed, of varying quality, and a lagging credit system [2]. - Financial institutions need to build rural data sharing platforms within a legal framework, integrate multi-source data, enhance data governance, and improve data quality, while leveraging financial technology to optimize credit evaluation models and conduct credit education [2]. Group 6: Overall Perspective - Financial institutions should expand service areas and optimize service processes under controllable risks, providing higher quality and efficient financial services to rural residents and business entities, thereby injecting financial vitality into rural revitalization and supporting the prosperous development of the rural economy [3].

■本报记者 王爱静 发展农村数字普惠金融在推动农村经济发展、缩小城乡差距、助力乡村振兴等方面具有重要意义。前不 久，浙江瑞丰农商银行试点探索发展农村数字普惠金融任务成功入选全国农村改革试验区拓展试验任 务，为行业提供了可借鉴的范例。近日，本报记者专访浙江瑞丰农商银行党委书记、董事长吴智晖，深 入探讨该行在农村数字普惠金融方面的试点探索情况、具体措施等。 记者：当前农村金融市场需求和供给现状如何？您认为数字普惠金融的介入能够解决哪些痛点问题？ 二是深化全客群服务模式，推进"农户+小微"全触达。通过数字化提供批量化、标准化、精准化服务， 提高农村重点客群服务效率和质量，实现客群覆盖更广、融资成本更低。深化"农户小额普惠贷款工 程"成效，提升农户数字信贷可得性，解决农村长尾客户服务难问题，力争做到"人人可贷"。 吴智晖：从本地情况来看，浙江绍兴市柯桥区民营经济发达，产业集聚，农村金融服务需求多，30余家 银行业金融机构云集于此，金融服务不断下沉，同业竞争白热化。同时，农村金融服务的供给仍存在一 些不足之处。 数字普惠金融介入能够较好地解决以下三个痛点：一是解决农村客户可用数据少、更新难度高、信息不 对称的问题，让农 ...