数字普惠金融服务河南涉农中小企业的策略探析OA
Analysis of Strategies for Digital Inclusive Financial Services to Small and Medium-sized Agricultural Enterprises in Henan Province
推动涉农中小企业蓬勃发展是推进乡村全面振兴的重要举措,对于河南建设农业强省具有十分重要的意义.数字普惠金融的快速发展有效缓解了河南涉农中小企业长期存在的融资约束问题,但依然面临"数字鸿沟"有待弥合、金融产品和服务创新性不够强、金融机构数字普惠金融发展动力有待进一步激发、数字普惠金融领域的风险需要防范等挑战.为此,应着力加强数字普惠金融基础设施建设,创新数字普惠金融产品与服务,完善涉农中小企业征信体系建设,建立健全数字金融人才培养机制,加强数字普惠金融风险防控与合规管理,以提高数字普惠金融服务质效,助推河南涉农中小企业健康可持续发展.
Promoting the vigorous development of agricultural small and medium-sized enterprises is an important measure to advance the comprehensive revitalization of rural areas and is of great significance for Henan province to build a strong agricultural province.The rapid development of digital inclusive finance has effectively alleviated the long-standing financing constraints faced by small and medium-sized agricultural enterprises in Henan Province.However,they still face challenges such as the need to bridge the"digital divide",insufficient innovation in financial products and services,the need to further stimulate the development momentum of digital inclusive finance in financial institutions,and the need to prevent risks in the field of digital inclusive finance.To this end,efforts should be made to strengthen the infrastructure construction of digital inclusive finance,innovate digital inclusive finance products and services,improve the credit information system for small and medium-sized agricultural enterprises in Henan province,establish and improve the talent training mechanism for digital finance,and enhance the risk prevention and control as well as compliance management of digital inclusive finance,so as to improve the quality and efficiency of digital inclusive finance services and promote the healthy and sustainable development of small and medium-sized agricultural enterprises in Henan.
王芳
河南省社会科学院经济研究所,河南 郑州 451464
管理科学
数字普惠金融涉农中小企业融资约束
Digital Inclusive FinanceAgricultural Small and Medium-sized EnterprisesFinancing Constraints
《农村·农业·农民》 2025 (11)
33-37,5
河南省哲学社会科学规划项目(2023BJJ051)
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