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农村金融助力新质生产力发展:内在逻辑、现实挑战与实现路径

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因地制宜发展新质生产力,对推进农业产业转型升级,助力农业强国目标具有重要意义.农村金融体系作为涉农产业的资源配置手段,在其中发挥着重要作用.农村金融体系通过支持农业科技创新、推动农业现代化进程、促进生产要素协同发展这三条路径,培育并促进新质生产力发展.但是当前农村金融体系存在一系列不足,如支持农业科技创新方面渠道不足、促进农业规模化生产和生产要素协同作用较弱、风险管理方面风险分摊机制不健全.针对这些问题和难点,提出了一系列聚焦农村金融体系服务新质生产力发展的着力点:一是拓宽新质生产力融资渠道,提升对农业科技企业的金融服务质量和效率;二是以农村金融手段强化农业生产要素之间的协同作用,推动新质生产力实现高效整合;三是提升农村金融产品对农业生产风险的保障水平,强化金融风险管理能力.
Rural Financial Services Facilitating the Development of New Quality Productive Forces:Intrinsic Logic,Realistic Challenges,and Realization Paths
Developing new quality productive forces accordingly is of great significance to promot-ing the transformation and upgrading of agricultural industry.As a means of resource allocation for agri-cultural industries,the rural financial system plays a key role in enhancing new agricultural productivity through three main pathways:supporting technological innovation in agriculture,facilitating the renewal of agricultural production materials,and promoting the integrated development and enhancement of agri-cultural production factors.However,the current rural financial system has a series of drawbacks,such as insufficient channels for supporting agricultural technological innovation,weak promotion of large-scale agricultural production and inadequate coordinated effect of production factors,and an underdevel-oped risk-sharing mechanism in risk management.To address these issues and challenges,it is impor-tant to make efforts in the following aspects for the rural financial system to better serve the development of new-quality productivity:first,broadening the financing channels for new-quality productivity and im-proving the quality and efficiency of financial services for agricultural technology enterprises;second,en-hancing the coordination between agricultural production factors through rural financial means to achieve efficient integration of new-quality productivity;third,improving the level of protection provided by ru-ral financial products against agricultural production risks and strengthening financial risk management ca-pabilities.

new quality productive forcesrural financefinancial servicesindustry upgrade

何婧、陈靖

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中国农业大学经济管理学院,北京 100083

新质生产力 农村金融 金融服务 产业升级

2024

华中农业大学学报(社会科学版)
华中农业大学

华中农业大学学报(社会科学版)

CSSCICHSSCD北大核心
影响因子:1.704
ISSN:1008-3456
年,卷(期):2024.(5)