摘要
当前农业金融市场现状是需求旺盛但适用性金融产品匮乏,金融产品供给、服务体系创新和风险控制等领域依然存在较严重的问题。本研究在互联网思维的基础上,引入物联网技术,通过构建"1+N"融资模式,有效连接农业产业链的各方参与者,打造农业全产业链金融,切实解决好"贷给谁、谁来贷、怎么贷、贷多少、如何还"等关键问题,提高小农户的融资能力,实现安全、高效、共赢的农业金融模式。
The current situation of agricultural financial market is of high demand but lack of applicable financial products,with serious problems in financial products supply,service system innovation,risk control and other areas.On the basis of internet thinking and introduction of Internet of Things(IoT)technology,this study constructs"1+N"financing model,effectively connecting all participants of the agricultural industry chain,making whole agricultural industrial chain finance,to solve the key issues of"who lends,how to lend,how much to loan,how to pay back"and so on.By solving the key problems,it can improve the financing ability of small and medium-sized farmers,realize the safe,efficient and win-win pattern of agricultural finance.
作者
付娜
Fu Na(College of Humanities,Tianjin Agricultural University,Tianjin 300392,China)
出处
《天津农学院学报》
CAS
2020年第4期83-88,共6页
Journal of Tianjin Agricultural University
基金
天津市哲学社会科学规划项目(TJGL17-021)
关键词
物联网
小农户
融资模式
IoT
small-sized farmers
financing model
作者简介
付娜(1979—),女,副教授,博士,主要从事农业金融、运营管理和休闲农业等研究。E-mail:scarlett_fn@126.com。
