智慧农业改善农业金融效能:机理及典型实践

Impact Mechanism of Finance Due to Digital Agriculture and Promotion Strategy

以贷款交易中信任困境的治理机制为参照,探析传统农业金融效能低下的困境,对智慧农业的金融效能进行理论和实践分析。研究发现,智慧农业的技术特征使其具有改善金融效能的潜力:智慧农业的丰富数据缓解了信息不对称,有利于风险评估,降低逆向选择;智能化管理有效治理资产管理难题,丰富担保品种类;科技强化了多方监督,缓解道德风险,促进融资互信。应鼓励农业企业采用先进的数字技术采集企业经营过程的多维度数据,提高农业企业技术配置和智能化管理水平,强化数字科技对农业场景的监督,提升金融需求主体的数字素养,激励金融机构依托农业数字资产增加金融供给。

With reference to the governance mechanism of trust dilemma in loan transactions,this paper explores the dilemma of low financial efficacy of traditional agriculture and analyzes the financial efficacy of smart agriculture.This paper finds that the technological features of smart agriculture give it the potential to improve financial efficacy:the rich data of smart agriculture alleviates information asymmetry,facilitates risk assessment,and reduces adverse selection;intelligent management effectively manages asset management challenges and enriches the variety of guarantees;and technology strengthens multi-party supervision,mitigates moral hazard,and promotes mutual trust in financing.Agribusinesses should be encouraged to adopt advanced digital technologies to collect multi-dimensional data of the business process,improve the level of technical configuration and intelligent management of agribusinesses,strengthen the supervision of agricultural scenes by digital technologies,enhance the digital literacy of financial demand subjects,and stimulate financial institutions to increase financial supply by relying on agricultural digital assets.