农户创业与金融服务创新能够实现协同发展吗?

Can Farmer Entrepreneurship and Financial Service Innovation Achieve Synergistic Development?

农户创业离不开金融服务创新支持,但是一味强调金融服务供给,而忽视创业农户与金融机构之间的协同发展,则无法保障供给的可持续性。采用微观调查数据,对农户创业与金融服务创新的协同机理及有效性进行研究发现:(1)创业农户能够获得金融创新服务,但金融创新服务占比还有待提高;(2)金融服务创新显著地提升了创业农户的总收入和创业收入,但尚未有效地改善利润;(3)农户创业与金融服务创新已经形成初步协同,但有待进一步深化。有鉴于此,应加大金融服务创新力度,丰富金融服务创新维度,促进融资与融智服务融合,提升创业农户金融素养,推动农户创业与金融服务创新协同发展。

Farmers’entrepreneurship is inseparable from the support of the innovative financial service,but blindly emphasizes the supply of financial services,while ignoring the effective coordination between entrepreneurial farmers and financial institutions,it cannot guarantee the sustainability of supply.This paper uses the survey data of the"Rural Land Financial System"research group of the Rural Economic Research Department of the Development Research Center of the State Council to study the synergy mechanism and effectiveness of farmer entrepreneurship and financial service innovation.The study has the following findings.(1)Entrepreneurial farmers can obtain financial service innovation,but the proportion of financial service innovation needs to be improved.(2)Financial service innovation significantly increases the total income and entrepreneurial income of entrepreneurial farmers,but does not significantly increase their profits.3)Farmers’entrepreneurship and financial service innovation have formed initial synergy,but they need to be deepened.In view of this,we should intensify financial service innovation,enrich the dimension of financial services,promote the integration of financing and sensible services,enhance the financial literacy of entrepreneurial farmers,and promote the coordinated development of farmer entrepreneurship and financial service innovation.