数字普惠金融服务福建特色农业产业的现实困境与提升路径

Realistic Dilemma and Promotion Pathways of Digital Inclusive Finance in Serving the Characteristic Agricultural Industry in Fujian

  • 摘要:
    目的/意义 针对传统金融服务在支持福建特色农业产业发展中存在的覆盖不足、服务断层等问题,探讨如何利用数字普惠金融提供解决方案。
    方法/过程 通过资料整理与实地调研相结合的方法,分析福建特色农业产业在数字普惠金融支持下的发展现状与存在困境,并基于此提出数字普惠金融服务福建特色农业产业的提升路径。
    结果/结论 研究发现,尽管福建特色农业产业在数字普惠金融支持下取得了一定进展,但仍面临金融服务覆盖与链条延伸不足、农村资源配置体系不健全和金融赋能产业发展受限等困境。据此,提出构建全产业链金融服务体系、完善农村金融生态体系和金融服务体系等列针对性的对策建议,旨在为数字普惠金融更好地服务福建特色农业产业发展,提供理论支持和实践指导。

     

    Abstract:
    Objective/Meaning  In view of the problems of insufficient coverage and service faultlines of traditional financial services in supporting the development of characteristic agricultural industry in Fujian, this paper discussed how to use the digital inclusive finance to provide solutions.
    Methods/Procedures Based on the key research topic of Fujian Provincial Committee of the National Revolutionary Committee in 2025, through the combination of data collation and field research, the development status and existing difficulties of the characteristic agricultural industry in Fujian under the support of digital inclusive finance were analyzed. Based on this, the promotion paths of digital inclusive financial services for the characteristic agricultural industry in Fujian were put forward.
    Results/Conclusions  The study found that, although the characteristic agricultural industry in China has made some progress with the support of digital inclusive finance, it still faced the difficulties such as insufficient coverage and chain extension of financial services, imperfect rural resource allocation system and limited industry development empowered with finance. Therefore, a series of targeted countermeasures and suggestions were put forward, such as building the financial service system of the whole industrial chain, improving the rural financial ecological system and financial service system, aiming to provide theoretical support and practical guidance for the digital inclusive finance to better serve the development of the characteristic agricultural industry in Fujian.

     

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