数字金融赋能乡村振兴投融资的三重传导机制、现实约束与实践路径OACHSSCD

Rural revitalization investment and financing differs from general rural credit in several key aspects:diversified funding sources,sustained project operations,stable returns,and institutionalized risk-sharing mechanisms.Traditional rural finance struggles to meet the long-term,scenario-based,and inclusive financing needs of rural revitalization investment and financing.On the basis of defining the connotation of rural revitalization investment and financing,this study constructs a triple transmission mechanism through which digital finance exerts its empowering effects:enhanced financing accessibility,industrial cash flow generation,and risk identification and capital allocation.The study argues that digital finance,leveraging data,algorithms,and platforms,can improve credit assessment,embed industrial scenarios,and enhance risk pricing efficiency.However,its effectiveness is constrained by digital infrastructure,the digital capabilities of market participants,industrial digitalization,data governance,and policy coordination.Accordingly,this paper proposes practical pathways to build a sustainable rural revitalization investment and financing system,including consolidating digital access and credit data infrastructure,embedding scenario-based finance into rural industrial chains,improving intelligent risk control and dynamic supervision,and strengthening policy coordination and risk-sharing mechanisms.