乡村振兴背景下农户创业的金融支持研究

Research on Financial Support for Farmers’ Entrepreneurship under the Background of Rural Revitalization

农户创业是推进产业兴旺的重要引擎。在乡村振兴背景下,金融支持通过缓解创业农户资金约束、分担风险和约束行为、提供便捷安全的资金服务、增强产业连接紧密度等提升农户创业的绩效。就贫困地区创业农户而言,金融支持对农户创业绩效整体上有显著的提升作用,但提升信贷可得性仍是为贫困村创业农户提供金融支持的重点。现行对农户创业的金融支持存在供求难以匹配、信息资源不足等困境。深化对创业农户的金融支持,要依托乡村振兴从供给侧和需求侧两端发力,从完善信用环境建设、依托互联网技术和产业生态创新金融服务、构建合作金融机制、完善风险分担和转移机制、加强对创业农户的教育培训、激励中青年农民创业等方面着力。

Peasant households’ entrepreneurship is an important engine to promote industrial prosperity. Under the background of rural revitalization, financial support can improve the performance of peasant households’ entrepreneurship by alleviating financial constraints, sharing risks and constraints, providing convenient and safe financial services, and enhancing the tightness of industrial links. As far as entrepreneurship farmers in poor areas are concerned, financial support has a significant effect on the overall performance of entrepreneurship, but improving the availability of credit is still the focus of financial support for entrepreneurship farmers in poor villages. The current financial support for farmers’ entrepreneurship has some difficulties, such as difficult matching between supply and demand, insufficient information resources and so on. In order to deepen financial support for entrepreneurship farmers, we should rely on rural rejuvenation from both supply and demand sides, improve credit environment construction, rely on internet technology and industrial ecological innovation of financial services, build cooperative financial mechanism, improve risk sharing and transfer mechanism, strengthen the education and training of entrepreneurship farmers and encourage young and middle -aged farmers to start their own businesses.