Academic Journal of Business & Management, 2025, 7(12); doi: 10.25236/AJBM.2025.071219.
Xiangnan Li, Bo Song, Xinrui Jiang, Qingyun Zhang
School of Economics, Guangzhou City University of Technology, Guangzhou, China
The low-carbon transformation of rural production and daily life is essential yet challenged by a significant funding gap, as traditional banks are often reluctant to finance the initial development of green industries like photovoltaic power generation and ecological agriculture. With the growing penetration of mobile phones and internet access, digital inclusive finance—defined as inclusive financial services delivered through digital tools—has emerged as a pivotal solution. Focusing on the “Photovoltaic + Digital Inclusive Finance” pilot project in Meizhou City, Guangdong Province, this study investigates how this model facilitates rural low-carbon transformation. It analyzes the project's implementation outcomes, identifies persistent challenges, and summarizes transferable experiences, aiming to provide valuable insights for other regions pursuing synergistic development of rural green industries and farmer prosperity.
Rural Low-Carbon Transformation, Digital Inclusive Finance, Photovoltaic Power Generation, Ecological Agriculture, Financial Innovation, Sustainable Development
Xiangnan Li, Bo Song, Xinrui Jiang, Qingyun Zhang. The "Digital Inclusive Finance + Photovoltaic Agriculture" Project in Meizhou: Lessons for Rural Low-Carbon Transformation. Academic Journal of Business & Management (2025), Vol. 7, Issue 12: 145-150. https://doi.org/10.25236/AJBM.2025.071219.
[1] Wang Lei, Zhang Ying. Mechanisms through Which Digital Inclusive Finance Influences the Rural Low-Carbon Transition [J]. Financial Research, 2022(5): 45–60.
[2] Liu Wei, Zhao Fang. Financial Support Models for the Rural Photovoltaic Industry under the “Dual Carbon” Targets [J]. China Rural Economy, 2023(3): 112–126.
[3] Huang Jing, et al. Effects of Digital Inclusive Finance on Farmers’ Income: Empirical Evidence from Guangdong Province [J]. Southern Finance, 2022(6): 34–48.
[4] Zhang Y, et al. Can Digital Finance Facilitate Agricultural Carbon Reduction? A Spatial Analysis in China [J]. Journal of Cleaner Production, 2022, 368: 133069.
[5] Sun Kai, Li Xuesong. Pathways and Effects of Digital Inclusive Finance in Facilitating Rural Energy Transition: Empirical Evidence from Photovoltaic Poverty Alleviation Projects [J]. China Population, Resources and Environment, 2022, 32(4): 89–98.
[6] Chen Ming, Zhou Hua. The Impact of Digital Financial Literacy on Farmers’ Engagement in Green Agriculture: Evidence from Guangdong Province [J]. Journal of Agrotechnical Economics, 2023(7): 102–115.
[7] Zhou Tao, Yang Fan.Risk Prevention and Control of Digital Finance in the Rural Low-Carbon Transition [J]. Financial Development Research, 2023(4): 55–63.