国家乡村振兴的战略需要呼唤着普惠金融在促进乡镇地区发展过程中做出更多的 贡献。但做好普惠金融，并不是件轻松的事情。由于客户群体金融需求多元、地域分布 广泛且分散、风险复杂且识别成本高、金融素养和互联网接受及运用程度参差不齐等诸 多特点的存在，使得普惠金融成为了一个长期、复杂、艰巨的世界性难题。而作为中国 低收入群体和普惠金融重点服务对象集中地的广大乡镇地区，由于其产业化程度较低、 风险较高、资本收益率不高、信任机制缺失严重、居民文化程度不高等原因，传统金融 机构出于风险规避与追逐利润的特性，在乡镇地区提供的金融服务较少甚至不愿意提供 金融服务。这些都导致了普惠金融在广大乡镇地区的发展不是很好。而以互联网为代表 的新兴科技的发展为发展普惠金融业务提供了一个很好的机会。随着科技的发展，大数 据、区块链、生物识别、人工智能等数字技术在金融领域逐步得到了应用，开启了数字 普惠金融的新时代。 作为中原银行S分行的一名基层员工，本人平时接触更多的是城镇低收入人群、农 户、小微企业主、个体工商户等对普惠金融有着强烈渴求的客户。如何能借助数字技术 推动普惠金融在乡镇的发展，如何能优化乡镇数字普惠金融的实施路径，进而推动中原 银行S分行数字普惠金融业务在乡镇地区的快速发展，以期给商业银行在乡镇地区的数 字普惠金融实施提供路径参考，是本文研究的目的所在。 本文把研究范围聚焦在普惠金融重点服务对象集中地的乡镇地区。以中原银行S分 行的普惠金融发展现状作为案例，利用文献研究法、案例研究法、经验总结法等方法， 研究中原银行S分行在乡镇地区的数字普惠金融实施路径问题。本文先是对国内外数字 普惠金融实施路径相关文献资料进行了研究，阐述分析数字普惠金融相关的理论知识， 进而为下文的研究分析奠定基础；在此基础上，本文把中原银行S分行作为案例进行了 研究分析；接着对中原银行S分行发展数字普惠金融进行了SWOT分析，并阐述了中 原银行S分行数字普惠金融发展的现状。根据以上分析并结合本人在中原银行S分行的 工作经历和所思所感，本文对中原银行S分行在乡镇地区发展数字普惠金融过程中存在 的问题进行了总结并对存在问题的原因进行了分析。在以上研究分析的基础上，本文重 点提出了中原银行S分行乡镇地区数字普惠金融实施的具体路径：第一，深耕线上线下 II 支付服务渠道。建议通过拓展支付应用场景来提升线上支付服务力，线下则主要通过提 升普惠金融服务站的支付服务力来实现。第二，利用大数据降低信息的不对称性。信息 不对称是乡镇地区融资难融资贵的主要原因。商业银行在乡镇地区发展信贷业务最大的 短板是大数据的获取、应用以及信贷业务向乡镇客群的触达等问题。因而对于解决惠农 信贷业务停滞不前问题的实施路径分析沿着大数据信息的获取路径、大数据在普惠金融 过程中的应用、信贷业务向乡镇客群的触达以及大数据应用过程中的督导约束机制这几 个方面展开。第三，加强数字普惠金融的风险防范，包括持续加大数字普惠金融核心安 全技术的研发和应用，落实好普惠金融服务站及惠农专管员的约束管理，加大对乡镇地 区居民金融知识的普及宣传力度，培养乡镇居民金融风险意识，加大对乡镇居民的消费 者权益保护力度。并基于以上具体实施路径提出了在组织方面、人才方面的督导保障措 施和相关的政策建议。在文章的最后，本文对研究的内容进行了总结和展望，在总结本 文研究内容的基础上，对研究中存在的不足给予了客观总结，并对数字普惠金融业务在 乡镇地区的发展前景进行了展望。 关键词：乡镇地区；数字普惠金融；实施路径 III ABSTRACT ThestrategyofNationalRuralRevitalizationcallsforInclusiveFinancetomakemorecontributions tothedevelopmentofruralareas.ButitisnoteasytodoInclusiveFinancewell.Duetothediversified financialneedsofcustomergroups,wideandscatteredgeographicaldistribution,complexrisksandhigh identificationcosts,financialliteracyandunevenacceptanceandapplicationoftheInternet,inclusive financehasbecomealong-term,complexandarduousworldwideproblem.However,asChina's low-incomegroupsandthefocusofinclusivefinancialservices,themajorityofruralareas,duetotheirlow degreeofindustrialization,highrisk,lowreturnoncapital,seriouslackoftrustmechanism,andlowlevel ofresidents'education,traditionalfinancialinstitutions,duetothecharacteristicsofriskaversionandprofit pursuit,providelessorevenunwillingfinancialservicesinruralareasItalyprovidesfinancialservices.All oftheseleadtothedevelopmentofInclusiveFinanceinthevastruralareasisnotverygood.The developmentofnewtechnologyrepresentedbyInternetprovidesagoodopportunityforthedevelopment ofinclusivefinancialbusiness.Withthedevelopmentofscienceandtechnology,bigdata,blockchain, biometrics,artificialintelligenceandotherdigitaltechnologieshavebeengraduallyappliedinthefinancial field,openinganeweraofdigitalInclusiveFinance. Asagrass-rootsemployeeofsbranchofZhongyuanbank,Iusuallycontactmorelow-incomepeople incitiesandtowns,farmers,smallandmicroentrepreneurs,individualbusinessesandothercustomerswho haveastrongdesireforInclusiveFinance.Howtousedigitaltechnologytopromotethedevelopmentof InclusiveFinanceinvillagesandtowns,howtooptimizetheimplementationpathofthedigitalInclusive Financeinvillagesandtowns,andthenpromotetherapiddevelopmentofthedigitalinclusivefinance businessofsbranchofZhongyuanbankinvillagesandtowns,inordertoprovideapathreferenceforthe implementationofthedigitalInclusiveFinanceofcommercialbanksinvillagesandtownsisthepurpose ofthispaper. ThispaperfocusesontheruralareaswherethekeyserviceobjectsofInclusiveFinanceare concentrated.TakingthecurrentsituationofInclusiveFinanceofsbranchofZhongyuanbankasacase, usingliteratureresearch,casestudy,experiencesummaryandothermethods,thispaperstudiesthe IV implementationpathofdigitalInclusiveFinanceofsbranchofZhongyuanbankinruralareas.Firstly,this paperstudiestherelevantliteratureoftheimplementationpathofdigitalInclusiveFinanceathomeand abroad,expoundsandanalyzesthetheoreticalknowledgerelatedtodigitalInclusiveFinance,andthenlays thefoundationforthefollowingresearchandanalysis.Onthisbasis,thispapertakessbranchof Zhongyuanbankasacasestudyandanalysis.Then,SWOTanalysisofthedevelopmentofdigitalInclusive FinanceofsbranchofZhongyuanbankiscarriedout,andthecurrentsituationofthedevelopmentof digitalInclusiveFinanceofsbranchofZhongyuanbankisdescribed.Basedontheaboveanalysisand combinedwithmyworkexperienceandthoughtsinsbranchofZhongyuanbank,thispapersummarizes theproblemsexistingintheprocessofdevelopingdigitalInclusiveFinanceofsbranchofZhongyuanbank inruralareasandanalyzesthereasonsfortheproblems.Onthebasisoftheaboveresearchandanalysis, thispaperputsforwardthespecificpathoftheimplementationofdigitalInclusiveFinanceinthetownship areasofbranchofZhongyuanBank:First,deepentheonlineandofflinepaymentservicechannels.Itis suggestedtoexpandthepaymentapplicationscenariotoimprovetheonlinepaymentservice,whileoffline paymentserviceismainlyrealizedbyimprovingthepaymentserviceofinclusivefinancialservicestation. Second,usebigdatatoreduceinformationasymmetryrmationAsymmetryisthemainreasonwhyitis difficultandexpensivetoraisefundsinruralareas.Thebiggestshortageofcommercialbanksinthe developmentofcreditbusinessinruralareasistheacquisitionandapplicationofbigdataandtheaccessof creditbusinesstoruralcustomers.Therefore,theanalysisoftheimplementationpathtosolvetheproblem ofHuinongcreditbusinessstagnationiscarriedoutinthefollowingaspects:theaccesspathofbigdata information,theapplicationofbigdataintheprocessofInclusiveFinance,theaccessofcreditbusinessto ruralcustomers,andthesupervisionandrestrictionmechanismintheapplicationofbigdata.Third,we shouldstrengthentheriskpreventionofdigitalInclusiveFinance,includingcontinuouslyincreasingthe research,developmentandapplicationofcoresecuritytechnologiesofdigitalinclusivefinance, implementingtherestraintmanagementofinclusivefinancialservicestationandspecialadministratorof Huinong,strengtheningthepopularizationandpublicityoffinancialknowledgeofresidentsinruralareas, cultivatingfinancialriskawarenessofresidentsinruralareas,andstrengtheningtheprotectionof consumers'rightsandinterestsofresidentsinruralareas.Basedontheabovespecificimplementationpath, thepaperputsforwardthesupervisionguaranteemeasuresandrelevantpolicysuggestionsintheaspectsof V organizationandtalents.Attheendofthearticle,thispapersummarizesandprospectstheresearchcontent, onthebasisofsummarizingtheresearchcontentofthispaper,givesanobjectivesummaryofthe shortcomingsintheresearch,andprospectsthedevelopmentprospectofdigitalinclusivefinancialbusiness inruralareas. KEYWORDS：Townshiparea;DigitalInclusiveFinance;Implementationpath VII 目录 摘要...............I ABSTRACT.III 1绪论.............1 1