乡村振兴背景下数字金融助力乡村饲料产业发展的困境及对策

Difficulties and countermeasures of digital finance assisting rural feed industry development under the background of rural revitalization

在乡村振兴背景下,数字金融可以降低乡村饲料养殖产业发展的融资门槛,赋能乡村饲料产业保险市场,推动乡村饲料产业供应链数字化进程。面对当前乡村地区数字金融产品同质化严重、基础设施建设不足和技术成本问题,信用风险和人才制约问题,以及数字金融混业跨界给金融监管带来的挑战,在今后数字金融发展中,要创新数字金融供给主体的服务功能,加大乡村地区数字金融基础设施建设的支持力度,构建数字金融征信平台,防控饲料产业发展中的信用风险,培养和引进高素质复合型人才,助力饲料产业发展,完善数字金融的功能监管与行为监管,提升混业跨界监管能力。

In the context of rural revitalization,digital finance can reduce the financing threshold for the development of the rural feed breeding industry,enable the rural feed industry insurance market,and promote the digitalization process of the rural feed industry supply chain.In the face of the current serious homogenization of digital financial products in rural areas,insufficient infrastructure construction and technology costs,credit risk and talent constraints,as well as the cross-border digital finance industry,have brought challenges to financial supervision.In the future development of digital finance,it is necessary to innovate the service function of the digital finance supply subject,increase the support for the construction of digital financial infrastructure in rural areas,build a digital financial credit reporting platform,prevent and control the credit risk in the development of the feed industry,cultivate and introduce high-quality compound talents,help the development of the feed industry,improve the functional supervision and behavioral supervision of digital finance,and improve the cross-border supervision capability of mixed industry.