Probe - Accounting, Auditing and Taxation

Enhancing financial inclusion and product innovation in rural areas through AI empowerment

Xiaoqian Jin

School of Finance, Nanjing University of Finance and Economics

Wenqing Xu

School of Finance, Nanjing University of Finance and Economics

Xushen Jia

School of Finance, Nanjing University of Finance and Economics

Wei Han

School of Finance, Nanjing University of Finance and Economics

Junfan Long

School of Finance, Nanjing University of Finance and Economics

DOI: https://doi.org/10.59429/paat.v7i1.9445

Keywords: Inclusive finance; AI; Rural revitalization; Credit approval; Data privacy

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Abstract

Inclusive finance is a strategy for narrowing the urban-rural gap and promoting rural revitalization. With AI enhancing efficiency, it must address issues like inadequate digital infrastructure, low technological literacy, and privacy risks. Through surveys, this paper systematically explores the integration of AI in rural inclusive finance. It proposes a multidimensional policy framework that includes strengthening infrastructure, promoting digital education, and optimizing regulations, providing theoretical and practical insights for long-term mechanism.

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