Exploring the Impact of Digital Inclusive Finance on Chinas Rural Areas from the Perspective of Digital Rural Construction

The service of digital inclusive finance is becoming popular in rural regions of China. Meanwhile, digital rural construction attracts much attention. Clarifying the impact of digital inclusive finance on the quality of life for residents and its connection to digital infrastructure is of significant importance. Based on the existing literature, this paper comprehensively analyzes the influence of digital inclusive finance on rural areas and the practical role that digital construction plays, and the empirical research proves that digital inclusive finance can effectively lead to rural revitalization, and digitization is a considerable component in this process. However, the issue of endogeneity is a concern of researchers and heterogeneity does exist. Moreover, this article also points out the existing issues related to digital inclusive finance and digital construction in rural regions, such as the weakness of infrastructure in the countryside undermining the effectiveness of digital inclusive finance and the lack of professional workers that may hinder the construction of a digital village. This paper suggests several possible solutions, such as investing in internet equipment and coordinating regional development.