乡村振兴战略背景下涉农中小企业网络众筹融资机制创新研究  

Research on the Innovation of Online Crowdfunding Financing Mechanism for Agricultural SMEs in the Context of Rural Revitalization Strategy

作　　者：李民 郭嘉嘉 Li Min;Guo Jiajia(School of International Business and Economics,Fujian Business School,Fuzhou 350001,China)

机构地区：[1]福建商学院国际经贸学院,福建福州350001

出　　处：《科技创业月刊》2023年第5期128-131,共4页Journal of Entrepreneurship in Science & Technology

基　　金：福建省自然科学基金项目(2020J01314)。

摘　　要：涉农中小企业是推动乡村振兴战略的中坚力量,其健康可持续发展离不开金融服务体系的支持。网络众筹为涉农中小企业提供了新的融资渠道,但传统农业众筹平台常常面临因众筹项目风险过大而导致发展受阻的难题。农业网络众筹与农业保险协同,是一种符合涉农中小企业风险特征的网络众筹融资新模式。通过这一创新性的融资模式,涉农中小企业可以借助农业保险来降低项目失败后的违约风险,从而对众筹投资者的经济利益形成有效保障并提高其参与积极性,为涉农中小企业提供可持续的资金来源。Agricultural SMEs are the backbone of the rural revitalisation strategy,and their healthy and sustainable development cannot be achieved without the support of the financial services system.Online crowdfunding provides a new financing channel for agricultural SMEs,but traditional agricultural crowdfunding platforms often face the problem of their development being hindered by the excessive risks of crowdfunding projects.This paper proposes a new model of online crowdfunding financing that meets the risk characteristics of agricultural SMEs through a synergistic innovation of agricultural crowdfunding and agricultural insurance.Through this innovative financing model,agricultural SMEs can use agricultural insurance to reduce the risk of default in the event of project failure,thereby effectively protecting the financial interests of crowdfunding investors and increasing their motivation to participate,and providing a sustainable source of funding for agricultural SMEs.

关 键 词：乡村振兴 涉农中小企业 网络众筹 融资机制 

分 类 号：F324[经济管理—产业经济]