关键词: 普惠金融, 数字人民币, 现实困境, 制度保障

Abstract: In the context of inclusive finance, the application of digital RMB in rural areas had practical foundations and social benefits. But at present, there were still practical difficulties in the application of digital RMB in rural areas of China. For example, at the social level, there was a lack of living infrastructure and educational resources in rural areas; at the institutional level, the issuance rights and legal status of digital RMB were unclear, the information property security system was imperfect, and rights relief was insufficient. On the basis of examining and learning from the institutional practice of agricultural-related digital currency applications in relevant countries and regions, it is proposed to provide institutional guarantee for the application of digital RMB in rural areas from the aspects of clarifying the legal status of digital RMB, improving the information security system of agriculture-related digital RMB, and constructing the right relief system of agriculture-related digital RMB.

Key words: inclusive finance, digital RMB, practical dilemma, institutional guarantee