农村金融支持农业产业化的路径与机制研究
摘 要
随着乡村振兴战略的深入推进，农村金融在支持农业产业化发展中的作用日益凸显，但其路径与机制尚需进一步明确和优化。本研究以农村金融支持农业产业化为核心议题，旨在探讨如何通过金融创新提升农业产业化的水平与效益。基于实地调研数据和案例分析，结合理论模型构建与实证检验，研究发现农村金融支持农业产业化的主要路径包括信贷供给优化、风险分担机制完善以及多元化金融服务体系构建。此外，研究揭示了政府政策引导、金融科技应用及社会资本参与对路径实现的关键促进作用。本文创新性地提出了“双层嵌入式”支持机制，即通过金融资源与产业链条的深度融合，以及区域协同发展模式的构建，有效破解传统金融支持中的供需错配问题。研究结论为政策制定者和实践者提供了重要参考，有助于推动农村金融改革与农业现代化进程的协同推进。
关键词：农村金融；农业产业化；信贷供给优化
PATHWAYS AND MECHANISMS OF RURAL FINANCE IN SUPPORTING AGRICULTURAL INDUSTRIALIZATION: A STUDY
ABSTRACT
As the rural revitalization strategy is further advanced, the role of rural finance in supporting the development of agricultural industrialization has become increasingly prominent, yet its pathways and mechanisms require further clarification and optimization. This study focuses on the core issue of how rural finance can support agricultural industrialization, exploring ways to enhance the level and efficiency of agricultural industrialization through financial innovation. Based on field survey data and case analysis, combined with theoretical model construction and empirical testing, the study identifies the main pathways of rural finance supporting agricultural industrialization, including the optimization of credit supply, the improvement of risk-sharing mechanisms, and the establishment of a diversified financial service system. Furthermore, it reveals the critical promoting roles of government policy guidance, fintech application, and social capital participation in realizing these pathways. Innovatively, this paper proposes a "dual-layer embedded" support mechanism, which involves the deep integration of financial resources with industrial chains and the construction of regional协同development models, effectively addressing the supply-demand mismatch issues in traditional financial support. The conclusions provide significant references for policymakers and practitioners, contributing to the coordinated advancement of rural financial reform and agricultural modernization.
KEY WORDS：Rural Finance；Agricultural Industrialization；Credit Supply Optimization
目 录
摘 要 I
ABSTRACT II
第一章 绪论 1
1.1 农村金融支持农业产业化研究背景与意义 1
1.2 国内外农村金融支持农业产业化研究现状 1
第二章 农村金融支持农业产业化的理论基础 2
2.1 农村金融与农业产业化的关系分析 2
2.2 农村金融支持农业产业化的关键机制 2
2.3 理论框架下的路径设计探讨 3
第三章 农村金融支持农业产业化的现实路径分析 4
3.1 资金供给对农业产业化的影响机制 4
3.2 信贷政策在农业产业化中的作用研究 4
3.3 金融创新推动农业产业化发展的实践 5
第四章 农村金融支持农业产业化的障碍与优化策略 6
4.1 当前农村金融支持农业产业化的主要障碍 6
4.2 提升农村金融服务能力的对策研究 6
4.3 构建可持续的农村金融支持体系 7
结 论 8
参考文献 9
致 谢 10
摘 要
随着乡村振兴战略的深入推进，农村金融在支持农业产业化发展中的作用日益凸显，但其路径与机制尚需进一步明确和优化。本研究以农村金融支持农业产业化为核心议题，旨在探讨如何通过金融创新提升农业产业化的水平与效益。基于实地调研数据和案例分析，结合理论模型构建与实证检验，研究发现农村金融支持农业产业化的主要路径包括信贷供给优化、风险分担机制完善以及多元化金融服务体系构建。此外，研究揭示了政府政策引导、金融科技应用及社会资本参与对路径实现的关键促进作用。本文创新性地提出了“双层嵌入式”支持机制，即通过金融资源与产业链条的深度融合，以及区域协同发展模式的构建，有效破解传统金融支持中的供需错配问题。研究结论为政策制定者和实践者提供了重要参考，有助于推动农村金融改革与农业现代化进程的协同推进。
关键词：农村金融；农业产业化；信贷供给优化
PATHWAYS AND MECHANISMS OF RURAL FINANCE IN SUPPORTING AGRICULTURAL INDUSTRIALIZATION: A STUDY
ABSTRACT
As the rural revitalization strategy is further advanced, the role of rural finance in supporting the development of agricultural industrialization has become increasingly prominent, yet its pathways and mechanisms require further clarification and optimization. This study focuses on the core issue of how rural finance can support agricultural industrialization, exploring ways to enhance the level and efficiency of agricultural industrialization through financial innovation. Based on field survey data and case analysis, combined with theoretical model construction and empirical testing, the study identifies the main pathways of rural finance supporting agricultural industrialization, including the optimization of credit supply, the improvement of risk-sharing mechanisms, and the establishment of a diversified financial service system. Furthermore, it reveals the critical promoting roles of government policy guidance, fintech application, and social capital participation in realizing these pathways. Innovatively, this paper proposes a "dual-layer embedded" support mechanism, which involves the deep integration of financial resources with industrial chains and the construction of regional协同development models, effectively addressing the supply-demand mismatch issues in traditional financial support. The conclusions provide significant references for policymakers and practitioners, contributing to the coordinated advancement of rural financial reform and agricultural modernization.
KEY WORDS：Rural Finance；Agricultural Industrialization；Credit Supply Optimization
目 录
摘 要 I
ABSTRACT II
第一章 绪论 1
1.1 农村金融支持农业产业化研究背景与意义 1
1.2 国内外农村金融支持农业产业化研究现状 1
第二章 农村金融支持农业产业化的理论基础 2
2.1 农村金融与农业产业化的关系分析 2
2.2 农村金融支持农业产业化的关键机制 2
2.3 理论框架下的路径设计探讨 3
第三章 农村金融支持农业产业化的现实路径分析 4
3.1 资金供给对农业产业化的影响机制 4
3.2 信贷政策在农业产业化中的作用研究 4
3.3 金融创新推动农业产业化发展的实践 5
第四章 农村金融支持农业产业化的障碍与优化策略 6
4.1 当前农村金融支持农业产业化的主要障碍 6
4.2 提升农村金融服务能力的对策研究 6
4.3 构建可持续的农村金融支持体系 7
结 论 8
参考文献 9
致 谢 10
