摘要
依托云计算、大数据等数字技术的“云融资”模式与新型农业经营主体融资需求高度契合,已成为提升其融资可获得性、实效性的重要途径。为探明数字经济下新型农业经营主体云融资的可实现路径,文章采用结构方程模型对其云融资意愿及影响因素进行了实证分析。结果显示:新型农业经营主体相关负责人网络设备使用熟练度较低,会抑制其云融资贷款意愿;受农产品生产周期影响越大,其更愿意采用云融资模式;新型农业经营主体对云融资信息全面性、惠农贷款可获得性与网络安全性较高评价,有助于提升其云融资意愿。从提升新型农业经营主体云融资模式可获得性、需求匹配性与安全性视角,提出开展云融资金融网络在线培训服务、鼓励云融资平台创新金融产品、加强政府与云融资平台共促共控等实现路径。
The cloud financing model relying on digital technologies,such as cloud computing and big data,is highly compatible with the financing needs of new agricultural business entities and has become a critical way to improve the availability and effectiveness of financing.This article will use the structural equation model(SEM)to conduct an empirical analysis of the willingness and influencing factors of cloud financing for new agricultural business entities,exploring the realization path of digital cloud financing availability.The results show that if the persons in charge of new agribusiness entities have lower proficiency of network equipment,they will inhibit their organizations'willingness to cloud financing.New agricultural management subjects that are greatly affected by the production cycle of agricultural products are more willing to obtain funds through cloud financing.In terms of the evaluation of cloud financing patterns,the comprehensiveness of information,the availability of preferential loans,and the security of the network are the key factors affecting the intention of new agricultural operators to cloud financing.From the perspective of improving the availability,demand matching,and security of cloud financing models for new agricultural business entities,it is proposed to adopt cloud financing online training service,encourage cloud financing platforms to innovate financial products and strengthen cooperation between the government and cloud financing platforms to achieve joint promotion and control.
作者
文龙娇
张珩
Wen Longjiao;Zhang Heng(School of Business,Jiangsu University of Technology,Changzhou 213001,China;School of Economics and management,Nanjing Agricultural University,Nanjing 210095,China;Institute of Finance&Banking,Chinese Academy of Social Sciences,Beijing 100710,China)
出处
《当代经济管理》
CSSCI
北大核心
2021年第11期90-97,共8页
Contemporary Economic Management
基金
国家社会科学基金青年项目《农地“三权分置”下新型农业经营主体与农户的利益共享机制研究》(18CJY031)。
关键词
数字经济
新型农业经营主体
云融资
digital economy
new agribusiness entities
cloud financing
