摘要
数字普惠金融能够提升金融服务的可得性和覆盖率,为社会弱势群体提供资金支持。新型农业经营主体融资需求非常强烈,但由于融资渠道狭窄、有效抵押物不足、农业担保体系不健全和农业信用体系不完善等因素的制约,在发展中普遍面临融资难的困扰。全方位、多层次、宽领域地构建起由政府部门、金融机构及各融资主体协同作用的数字普惠金融体系,加快推动金融机构数字化转型,充分利用数字技术完善农业担保体系,健全数字普惠金融农业信用体系,可以有效破解新型农业经营主体的融资困境。
Digital inclusive finance can improve the availability and coverage of financial services and provide financial support for vulnerable groups.The financing needs of new agricultural operation entities are very strong,but due to the constraints of narrow financing channels,insufficient effective collateral,imperfect agricultural guarantee system and agricultural credit system,they are generally faced with difficulties in financing in their development.A digital inclusive financial system in an all-round,multi-level and wideranging manner in which government departments,financial institutions and various financing entities work together,accelerating the digital transformation of financial institutions,making full use of digital technology to improve the agricultural guarantee system,and improving the agricultural credit system of digital inclusive finance,can effectively solve the financing dilemma of new agricultural operation entities.
作者
肖雪萍
王雪琳
孙蕊娟
Xiao Xueping;Wang Xuelin;Sun Ruijuan(School of Business,Tianshui Normal University,Tianshui Gansu,741001,China)
出处
《天水师范学院学报》
2022年第5期122-128,共7页
Journal of Tianshui Normal University
基金
2019年天水师范学院创新能力提升项目“乡村振兴战略背景下甘肃省新型农业经营主体融资困境及对策研究”(CXT2019-40)
2019年天水师范学院创新能力提升项目“大数据背景下甘肃省涉农小微企业投融资问题研究”(CXT2019-27)
2022年甘肃省高等学校创新基金项目“数字金融缓解中小企业融资约束的机制与路径研究”(2022B-167)
2022年甘肃省教育科学“十四五”规划项目“课程思政视角下高校创新创业教育与思政教育协同育人路径研究”(GS[2022]GHB1972)阶段性成果
关键词
数字惠普金融
新型农业经营主体
融资困境
digital inclusive finance
new agricultural operation subject
financing dilemma
作者简介
肖雪萍(1979-),女,甘肃天水人,天水师范学院商学院副教授,硕士。
