数字普惠金融推动农业高质量发展的路径选择——基于黑龙江省农业数字普惠金融案例分析
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    摘要:

    数字普惠金融是我国金融发展历程中的重大举措,研究数字普惠金融对农业高质量发展的影响及作用路径具有重要意义。将农业生产技术创新、城乡收入协调、农业经济可持续发展、农业市场扩大开放和农业发展成果共享设定为农业高质量发展的目标,把数字普惠金融中的融资便利、融资成本、融资风险以及农民的金融素养作为前置影响因素,分析数字普惠金融在农村经济发展中的作用以及考察农村数普惠金融如何影响农业高质量发展的五纬目标进而促进农业高质量发展的实现。研究结果发现:农村数字普惠金融的便利性增加以及融资成本和风险的下降可以促进农村数字普惠金融发展,农民金融素养的提高也有利于农村数字普惠金融进一步的推进;农村数字普惠金融扩大使用可以通过提升农业生产技术创新、农业市场扩大开放、农业发展成果共享、农业经济可持续发展以及城乡收入协调等途径实现农业高质量发展。最后,以黑龙江省农业数字普惠金融发展现状为例,进一步分析当前我国农业数字普惠金融的发展模式及面临的主要问题,并提出农业数字普惠金融促进农业高质量发展的对策建议。

    Abstract:

    Digital inclusive finance is an important measure in the development of China's financial industry. It is of great significance to study the influence and path of digital inclusive finance on the high-quality development of agricultural economy. First, we set up the agricultural production technology innovation, coordinated urban and rural income, economic sustainable development of agriculture and agricultural market opening wider to the outside and agricultural development achievements as a shared high quality agricultural economy development goal. Second, we use the digital inclusive financing convenience, the financing cost and financing risk in financial and financial literacy as a leading influence factor of farmers. This paper analyzes the role of digital inclusive finance in rural economic development and investigates how rural digital inclusive finance affects the five-dimension goal of high-quality development of agricultural economy to promote the realization of high-quality development of agricultural economy. The results show that the increasing convenience of rural digital inclusive finance and the reduction of financing cost and risk can promote the development of rural digital inclusive finance, and the improvement of farmers' financial literacy, which is also conducive to the further promotion of rural digital inclusive finance. The expanded use of rural digital inclusive finance can achieve high-quality development of agricultural economy through enhancing technological innovation of agricultural production, expanding the opening of agricultural market, sharing of agricultural development achievements, and sustainable development of agricultural economy and coordination of urban and rural income. Finally, taking the development status of agricultural digital inclusive finance in Heilongjiang Province as an example, this paper analyzes the development mode and main problems of agricultural digital inclusive finance in China, and puts forward some countermeasures and suggestions for agricultural digital inclusive finance to promote high-quality development of agricultural economy.

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邓楚瑶,王福友.数字普惠金融推动农业高质量发展的路径选择——基于黑龙江省农业数字普惠金融案例分析[J].审计与经济研究,2022,(6):

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  • 在线发布日期: 2022-12-17
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