孔涛 Loubere | 数字下乡：中国金融科技与农村发展【转】

*中文标题和摘要系简单翻译，可能存在部分错误，请以英文为准

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Kong, Sherry Tao, and Nicholas Loubere (2021). Digitally Down to the Countryside: Fintech and Rural Development in China. Journal of Development Studies, firstonline

摘要：

数字金融改变了全球金融服务提供的格局。尤其是金融科技蓬勃发展、用户众多的中国，走在了数字金融服务扩张的前沿。中国已成为一个重要案例，更好地了解金融科技的运作方式及其扩张对社会经济发展的影响。本文重点介绍了京东和阿里巴巴这两家互联网巨头在中国农村提供的数字金融新模式。在传统实体金融机构数十年来扩大农村金融覆盖面的尝试普遍失败的背景下，这两种农村金融科技模式有可能以新的方式扩大数字金融服务的提供。本文批判性地研究了这些金融科技模型，将它们与在全球范围内扩展数字金融包容性的更广泛轨迹相结合，考虑了与其他地方的农业供应商承包系统的相似之处，并探讨了它们在中国和其他地方对农村发展和农村生计带来的潜在利益和风险。

Abstract

Digital finance has changed the landscape of financial service provision worldwide. China in particular, with a booming fintech sector and large numbers of users, is at the forefront of the expansion of digital financial services. As such, the country has become an important case for better understanding how fintech operates and what its expansion entails for socioeconomic development. This paper focuses on the provision of new models of digital finance in rural China by two Internet giants – JD and Alibaba. Against the backdrop of decades of generally unsuccessful attempts to expand financial coverage in rural areas by conventional bricks-and-mortar financial institutions, these two rural fintech models have the potential to expand digital financial service provision in new ways. This paper critically examines these fintech models, contextualises them within the broader trajectory of pushes to expand digital financial inclusion worldwide, considers the parallels with agricultural supplier contracting systems elsewhere, and explores the potential benefits and risks that they pose for rural development and rural livelihoods in China and elsewhere.

原文链接（点击“阅读原文”跳转）：

https://doi.org/10.1080/00220388.2021.1919631

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