农村金融数字化转型与农业发展的协同作用  

作　　者：安菲雨 

机构地区：[1]山东理工大学,山东淄博255300

出　　处：《智慧农业导刊》2024年第1期125-128,共4页JOURNAL OF SMART AGRICULTURE

摘　　要：随着信息技术的快速发展和普及,农村金融数字化转型成为农村发展的新动力。农村金融数字化转型对于农业发展起到积极的协同作用,为农业提供更多的金融服务和产品,提升农村金融风险管理能力。通过数字化技术,农村金融机构可以更好地进行风险评估和风险管理,提高贷款审批的准确性和风险控制能力,减少贷款风险。同时,农民可以通过电商、金融科技等方式参与农村产业链,拓宽农民的产业选择空间,提高农民的收入和生活水平。With the rapid development and popularization of information technology,the digital transformation of rural finance has become a new driving force for rural development.The digital transformation of rural finance has played a positive synergistic effect on agricultural development,provides more financial services and products for agriculture,and has improved the ability of rural financial risk management.Through digital technology,rural financial institutions can better carry out risk assessment and risk management,improve the accuracy of loan examination and approval and risk control ability,and reduce loan risk.Meanwhile,farmers can participate in the rural industrial chain by means of e-commerce,financial technology and so on,which broadens the industrial choice space of farmers and improves their income and living standards.

关 键 词：农村金融 数字化转型 协同作用 农业发展 农村金融创新 

分 类 号：F49[经济管理—产业经济]