Practical Dilemmas and Enhancement Pathways of Digital Inclusive Finance in Serving the Characteristic Agricultural Industry in Fujian

Digital inclusive finance, as an important direction for financial service innovation, is of great significance in addressing the shortcomings of traditional financial services and promoting the development of Fujian’s characteristic agricultural industry.Based on the key research topic of the Fujian Provincial Committee of the National Revolutionary Committee in 2025. Through a combination of data organization and field research, the development status of Fujian’s characteristic agricultural industry under the support of digital inclusive finance is analyzed in depth. Research has found that although Fujian’s characteristic agricultural industry has made some progress with the support of digital inclusive finance, it still faces challenges such as insufficient coverage and chain extension of financial services, an incomplete rural resource allocation system, and limited development of financial empowerment industries. Therefore, this article proposes a series of targeted countermeasures and suggestions, such as building a full industry chain financial service system, improving the rural financial ecosystem and financial service system, aiming to provide theoretical support and practical guidance for digital inclusive finance to better serve the development of Fujian’s characteristic agricultural industry.