智慧农业发展中的农村金融转型:理论逻辑、实践困境与突破路径  

Rural Financial Transformation in the Development of Smart Agriculture:Theoretical Logic,Practical Dilemmas and Breakthrough Paths

作　　者：曾学文 王雪 张正平[2] ZENG Xuewen;WANG Xue;ZHANG Zhengping(Agricultural Bank of China,Beijing 100005,China;School of Economics,Beijing Technology and Business University,Beijing 100048,China)

机构地区：[1]中国农业银行,北京100005 [2]北京工商大学经济学院,北京100048

出　　处：《北京联合大学学报（人文社会科学版）》2024年第2期23-33,共11页Journal of Beijing Union University(Humanities and Social Sciences)

基　　金：国家社会科学基金社科学术社团主题学术活动资助项目“大型商业银行支持智慧农业的有效路径研究”(项目编号:21STA057);国家自然科学基金应急管理项目“金融支持乡村振兴的政策创新研究”(项目编号:72141003)。

摘　　要：智慧农业作为数字技术与农业深度融合的产物,从根本上改变了农业生产经营模式,使数据成为农业生产的新要素,平台成为农业活动的新载体,农村金融服务的形式、内容、对象等正随着智慧农业的发展发生深刻变革。从理论上看,智慧农业发展将推动农村金融机构向“服务中介”转型,金融服务模式向“平台经济模式”转型,金融风控机制向“智能风控”转型;从实践来看,我国智慧农业发展已推动两类转型模式形成,即依托涉农产业互联网平台的金融实践模式和金融机构主导的智慧农业管理平台实践模式。然而在实践中,农村金融服务转型仍面临“介入难”“创新难”“协同难”“可持续难”“复制推广难”等五大困境。未来需要进一步加强顶层设计,深化协同合作,完善数据共享,统筹推进场景创新,加快突破智慧农业发展中的金融转型困境。As a product of the deep integration of digital technology and agriculture,smart agriculture has fundamentally changed agricultural production and operation mode,making data a new element of agricultural production and platforms a new carrier of farming activities.As a result,rural financial services’form,content,and objects are undergoing profound changes with the development of smart agriculture.From a theoretical perspective,the development of smart agriculture will promote the transformation of rural financial institutions into“service intermediaries,”the shift of financial service models into“platform economic models”and the transition of financial risk control mechanisms into“intelligent risk control,”providing support for the high-quality development of rural digital inclusive finance.From a practical perspective,the development of smart agriculture in China has promoted the formation of two types of transformation practices:the financial practice model relying on internet platforms for the agricultural industry and the smart agriculture management platform practice model led by financial institutions.However,in practice,the transformation of rural financial services still faces five major difficulties that need to be resolved,including difficulties in intervention,innovation,collaboration,sustainability,and replication and promotion.In the future,it is necessary to strengthen top-level design,deepen collaboration,improve data sharing,coordinate and promote scenario innovation,and accelerate the breakthrough of financial transformation difficulties in the development of smart agriculture.

关 键 词：智慧农业 农村金融 平台经济 金融服务 

分 类 号：F832.1[经济管理—金融学] F832.35F320