摘要
乡村产业的高质量发展是实现乡村振兴和共同富裕的关键途径,而金融在这一过程中扮演着至关重要的角色。本文界定了乡村产业高质量发展的内涵,从资源配置、风险管理、创新驱动和可持续发展维度分析了金融助力乡村产业高质量发展的内在逻辑,并对该领域的实践模式进行了探讨。同时,指出了金融服务在乡村产业发展中面临的数字化挑战、数据共享不足、利益共享机制不完善、产品服务不匹配和农业保险覆盖有限等问题。为应对这些挑战,提出了加强顶层设计、强化数据治理、深化协同合作、鼓励先行先试和创新保险保障等多方面的优化建议,旨在为金融支持乡村产业高质量发展提供有力的理论和实践指导,以推动乡村产业的全面振兴和长期可持续发展。
The high-quality development of rural industries is a key way to achieve rural revitalization and common prosperity,and finance plays a crucial role in this process.This paper defines the concept of high-quality development of rural industries,and analyzes the internal logic of financial support for such development from the perspectives of resource allocation,risk management,innovation driven,and sustainable development.This paper also explores practical models in this field.Moreover,this paper points out challenges faced by financial services in the development of rural industries,including digital challenges,insufficient data sharing,imperfect benefit sharing mechanisms,mismatched products and services,and limited agricultural insurance coverage.To address these challenges,it proposes optimization suggestions in various aspects such as strengthening top-level design,data governance,collaborative cooperation,innovation pilot,and insurance protection,aiming to provide strong theoretical and practical guidance for financial support of high-quality development of rural industries,and promote the comprehensive revitalization and long-term sustainable development of rural industries.
作者
刘丹
张龙耀
LIU Dan;ZHANG Longyao
出处
《世界农业》
CSSCI
2024年第12期74-85,共12页
World Agriculture
基金
国家自然科学基金面上项目“中国农村数字金融的风险管理和普惠效应:基于机器学习和实验经济的追踪研究”(72473069)
国家自然科学基金青年项目“信贷约束与社会资本视角下互联网金融对农户创业的影响研究”(71803082)。
关键词
乡村产业
高质量发展
金融服务
Rural Industries
High-quality Development
Financial Service
作者简介
刘丹(1987-),女,江西新余人,副教授,研究方向为农村金融和普惠金融;通信作者:张龙耀(1985-),男,江苏盐城人,教授,研究方向为农村金融、数字金融和普惠金融,E-mail:zhangly@njau.edu.cn。
