摘要
伴随大数据、物联网、农村电商的快速发展,银行、电商平台、核心企业分别以自身为主导,进行了数字化农业供应链金融方面的创新和探索,并形成了三种主流模式。本文在对比分析三种模式运行机制及特点的基础上,指出农业供应链金融与数字技术结合的过程中,存在着资金供应短板明显、数字化金融排斥严重、参与主体合法权益难以有效保障、征信体系不健全、数字金融监管失位等一系列问题。然后从基础设施、政策支持、保障制度、农村市场四方面提出推进路径,助推农业供应链金融数字化转型顺利进行。
With the rapid development of the Internet of Things,big data technology and rural e-commerce,banks,e-commerce platforms,and core enterprises have each led by themselves,conducted innovative explora⁃tions in digital agricultural supply chain finance,and formed three mainstream models.Based on the operation mechanism and characteristics of the three modes,this article points out that in the process of the combination of agricultural supply chain finance and digital technology,there are a series of problems,such as obvious short board of capital supply,severe exclusion of digital finance,difficult protection of legal rights and interests of partic⁃ipants,imperfect credit reference system,loss of digital financial supervision,etc.And this article further proposes the promotion path from the four aspects of infrastructure,policy support,guarantee system,and rural market to guide the smooth progress of the digital transformation of agricultural supply chain finance.
出处
《西南金融》
北大核心
2021年第4期52-62,共11页
Southwest Finance
基金
湖北省教育厅科学研究计划“住房保障视角下人口结构变化对住房需求的影响研究——以武汉市为例”(B2018344)。
关键词
供应链金融
农业产业链
数字化转型
大数据
物联网
电商平台
新基建
乡村振兴
supply chain finance
agricultural industry chain
digital transformation
big data
internet of things
E-commerce platform
new infrastructure
rural revitalization
