Against the background of the in-depth advancement of China’s rural revitalization strategy, county-level inclusive finance, as a critical support for stimulating the vitality of the rural economy and promoting income growth and prosperity for farmers, has a development quality that directly affects the process of comprehensive rural revitalization. Based on the 2025 No.1 Central Document and the relevant policy requirements of the State Administration of Financial Regulation, combined with practical cases at the county level such as Fengdu of Chongqing and Ninglang of Yunnan, this paper systematically analyzes the prominent dilemmas existing in the current development of county-level inclusive finance in terms of supply system, product innovation, credit system construction and risk prevention and control. The study finds that county-level inclusive finance is confronted with problems including insufficient inter-institutional coordination, poor product adaptability, fragmented credit information and an obvious digital divide, which restrict the precise and targeted allocation of financial resources to rural areas. In view of these problems, this paper puts forward targeted resolution strategies from four dimensions: improving the supply system, innovating products and services, perfecting the credit mechanism and optimizing the development environment, so as to provide practical references for the high-quality development of county-level inclusive finance and its support for rural revitalization.

Gege Wei. Dilemmas and Breakthrough Strategies for County Inclusive Finance under China’s Rural Revitalization. Academic Journal of Humanities & Social Sciences (2026), Vol. 9, Issue 2: 11-17. https://doi.org/10.25236/AJHSS.2026.090202.

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