数字普惠金融助力黑龙江省乡村纺织产业振兴路径研究  

Research on the path of digital inclusive finance to promote rural textile industrial revitalization in Heilongjiang Province

作　　者：汤洋[1] 徐博文 李美娇 Tang Yang;Xu Bowen;Li Meijiao(Harbin Finance University,Harbin 150030,China)

机构地区：[1]哈尔滨金融学院,黑龙江哈尔滨150030

出　　处：《纺织报告》2024年第12期45-47,共3页

基　　金：2023年哈尔滨金融学院科研项目“数字普惠金融助力黑龙江省乡村振兴的效率评价及路径优化研究”(E012023023)。

摘　　要：数字普惠金融以数字技术破解乡村纺织产业主体评价难、担保难、管理难、借贷难等问题,能更好地满足各类中小型乡村纺织企业主体的融资需求。文章首先阐述了数字普惠金融的概念、组成与特点,其次从黑龙江省乡村纺织产业发展的实际现状出发,从产业融资、产业升级、产业发展等层面总结了数字普惠金融助力黑龙江省乡村纺织产业振兴的价值意蕴,最后针对目前乡村纺织产业中存在的各类融资、借贷困境,从数字普惠金融设施构建、产品服务及业务模式等方面提出了助力路径,以期为黑龙江省乡村纺织产业的可持续发展提供金融业务支撑。Digital inclusive finance uses digital technology to solve the difficulties in evaluating,guaranteeing,managing,and borrowing of rural textile industry entities,and can better meet the financing needs of various small and medium-sized rural textile enterprises.The article first elaborates on the concept,composition and characteristics of digital inclusive finance,secondly,starting from the actual situation of the development of rural textile industry in Heilongjiang Province,the value implications of digital inclusive finance in promoting the revitalization of rural textile industry in Heilongjiang Province are summarized from the aspects of industrial financing,industrial upgrading and industrial development,finally,in response to the various financing and lending difficulties currently existing in the rural textile industry,assistance paths are proposed from the construction of digital inclusive financial facilities,product services and business models,in order to provide financial business support for the sustainable development of the rural textile industry in Heilongjiang Province.

关 键 词：数字普惠金融 乡村纺织产业 产业振兴 融资 

分 类 号：F725.23[经济管理—产业经济]