Research on the Innovation Path of Social E-Commerce + Rural Finance under the Background of Rural Revitalization

党的十八大以来，我国农村金融供给侧结构性改革持续深化，为打赢脱贫攻坚战、推进乡村振兴战略提供了重要支撑。而基于合力驱动下社交电商由探索期到稳定期的快速成长背景下，电商助农成为推动农村经济发展、促进农民增收的重要途径。短视频电商、社交电商、直播电商等新业态不断涌现，大量商家通过网络直播等数字化手段将优质农产品销往各地市场，由此而带来营业规模、前期费用不断增大，资金垫付压力和应收账款问题随之成为制约商家快速扩张的掣肘。破解制约农村社交电商可持续发展的难题，传统金融扶持向金融科技创新亟需转换。基于此，本文通过探究农村社交电商与金融服务的现状及存在问题，探索进一步借助金融相关平台探索金融赋能乡村振兴工作的新模式。Since the 18th National Congress of the Communist Party of China, the structural reform of rural financial supply side has been continuously deepened, which has provided important support for winning the battle against poverty and promoting the strategy of Rural Revitalization. Under the background of the rapid growth of social e-commerce from exploration period to stability period driven by joint efforts, e-commerce has become an important way to promote rural economic development and increase farmers’ income. Short video e-commerce, social e-commerce, live e-commerce and other new formats are constantly emerging, and a large number of businesses sell high-quality agricultural products to local markets through digital means such as live broadcasting on the Internet, which brings about the increasing business scale and early cost, and the pressure of capital advance and the problem of accounts receivable have become constraints to the rapid expansion of businesses. To solve the problems restricting the sustainable development of rural social e-commerce, it is urgent to transform traditional financial support into financial science and technology innovation. Based on this, this paper explores the current situation and existing problems of rural social e-commerce and financial services, and further explores the new model of financial empowerment of Rural Revitalization with the help of financial-related platforms.