Practice and Pathways of Digital Inclusive Finance in Supporting the Development of the County-Level Real Economy

Shiyu Xie

doi:10.47297/wspdecWSP2515-797314.20261007

PDF
Export
Share
Collection
Album

Practice and Pathways of Digital Inclusive Finance in Supporting the Development of the County-Level Real Economy

Volume 10, Issue 7

Views: 0 Downloads: 0

Practice and Pathways of Digital Inclusive Finance in Supporting the Development of the County-Level Real Economy
Practice and Pathways of Digital Inclusive Finance in Supporting the Development of the County-Level Real Economy
Pass College of Chongqing Technology and Business University, Chongqing, 401520, China
Vol. 10, Issue 7, Pages: 74-77(2026)
Published：30 July 2026
DOI：10.47297/wspdecWSP2515-797314.20261007
Accepted：

Scan QR Code

Xie Shiyu.Practice and Pathways of Digital Inclusive Finance in Supporting the Development of the County-Level Real Economy[J].Development Economics of China,2026,10(07):74-77.
DOI：

Xie Shiyu.Practice and Pathways of Digital Inclusive Finance in Supporting the Development of the County-Level Real Economy[J].Development Economics of China,2026,10(07):74-77. DOI： 10.47297/wspdecWSP2515-797314.20261007.

摘要

Abstract

County-level real economy is an important foundation for stabilizing growth

promoting employment

and advancing rural revitalization. However

when financing

small and micro enterprises

individual businesses

and agricultural operators often face obstacles such as insufficient collateral and opaque information. With the entry of digital technology into finance

financial institutions have gained new tools for customer identification

credit assessment

and online processing

while county-level entities have gained new channels for obtaining funds. China's inclusive finance credit scale continues to expand

and digital service capabilities are improving

but at the county level

problems such as uneven distribution of financial resources

inadequate data coordination

mismatch between products and industrial needs

and weak risk-sharing mechanisms remain. Taking Xiajin

Shandong Province

and Maoming

Guangdong Province

as observation cases

this paper examines concrete practices of digital inclusive finance in serving the county-level real economy from the perspectives of data sharing

credit assessment

and industrial scenarios. On the basis of the practical constraints identified

it proposes improvement measures in four areas: regional resource allocation

credit infrastructure

product and scenario innovation

and risk sharing

with a view to providing a reference for inclusive finance to better serve county-level industries.

关键词

Keywords

references

Guo F. , Wang J. , Wang F. , Kong T. , Zhang X. , & Cheng Z . ( 2020 ). Measuring the development of China's digital inclusive finance: Index compilation and spatial characteristics . China Economic Quarterly , 19 ( 4 ), 1401 – 1418 .

Xie X. , Shen Y. , Zhang H. , & Guo F . ( 2018 ). Can digital finance promote entrepreneurship? Evidence from China . China Economic Quarterly , 17 ( 4 ), 1557 – 1580 .

Huang Y. , & Qiu H . ( 2021 ). Big Tech lending: A new credit risk management framework . Management World , 37 ( 2 ), 12 – 21 .

Wang X . ( 2015 ). Internet finance helping relieve financing constraints of "long-tail" small and micro enterprises . Journal of Financial Research , ( 9 ), 128 – 139 .

Feng X. , Sun T. , Dong C. , & Yan X . ( 2021 ). County-level digital inclusive finance in China: Connotation, index construction, and measurement results . Chinese Rural Economy , ( 10 ), 84 – 105 .

Guo F. , & Wang Y . ( 2020 ). Traditional financial foundations, knowledge thresholds, and digital finance going to rural areas . Journal of Finance and Economics , 46 ( 1 ), 19 – 33 .

Zhang H. , Cheng M. , Luo J. , & Li L . ( 2022 ). Solving the puzzle of how local financial institutions support county-level economic development . Finance & Trade Economics , ( 2 ), 98 – 111 .

Song X . ( 2017 ). An empirical test of digital inclusive finance in narrowing the urban-rural income gap . Finance & Economics , ( 6 ), 14 – 25 .

Zhang J. , Dong X. , & Li J . ( 2022 ). Can digital inclusive finance promote common prosperity? An empirical study based on micro household data . Journal of Finance and Economics , 48 ( 7 ), 4 – 17 .