Research on the mechanism and realization path of digital inclusive finance for rural common prosperity

: Digital inclusive finance has an important role to play in promoting common prosperity in the countryside. Firstly, by supporting farmers' innovation and entrepreneurship, it can increase the business income of farmers; secondly, by supporting the revitalisation of rural industries and increasing employment opportunities, it can increase the wage income of farmers; furthermore, by enhancing the marketability of rural areas, it can increase the property income of farmers. The current development of digital inclusive finance in China mainly has shortcomings in terms of lower penetration, narrower application areas, smaller credit scale and more blind spots in supervision. The main paths to enhance the development of digital inclusive finance in China's rural areas are: firstly, to popularise basic financial knowledge so as to enhance the financial literacy of farmers and new agricultural operators; secondly, to strengthen the construction of rural communication infrastructure to improve the network facilities for the development of digital inclusive finance; thirdly, to optimise the digital inclusive finance policy system and strengthen the supervision of rural digital finance.