CAJ | 학술논문

新型农业经营主体是未来我国农业生产的主导力量,但融资难问题制约着其健康发展。互联网金融拓展了资金供给新渠道,能有效弥补传统金融对我国农业发展支持的不足。融资模式创新是经济发展新常态的内在需求,互联网金融支持新型农业经营主体融资有利于两者协同发展。P2P信贷融资、基于大数据小额贷款融资、众筹融资、供应链融资等模式与新型农业经营主体融资模式创新具有内在契合性,而完善互联网金融基础设施、提高经营者金融与诚信意识、建设现代企业制度等举措是其融资模式创新的有力保障。
신형농업경영주체시미래아국농업생산적주도역량,단융자난문제제약착기건강발전。호련망금융탁전료자금공급신거도,능유효미보전통금융대아국농업발전지지적불족。융자모식창신시경제발전신상태적내재수구,호련망금융지지신형농업경영주체융자유리우량자협동발전。P2P신대융자、기우대수거소액대관융자、음주융자、공응련융자등모식여신형농업경영주체융자모식창신구유내재계합성,이완선호련망금융기출설시、제고경영자금융여성신의식、건설현대기업제도등거조시기융자모식창신적유력보장。
New agricultural management entities are the major force of China＇s agricultural production in the fu- ture, however, fmancing problems have restricted the healthy development of agriculture. Internet finance has expanded new channels of money supply and effectively made up for the shortcomings of traditional financial support for agricultural development in China. Financing model innovation is the internal demand of the eco- nomic development in the new normal phase and Intemet financial support for agricultural management entities is conducive to joint development of the two. Models like P2P credit finance, microcredit Fmancing based on big data, crowd- funding and supply chain financing are inherently consistent with financing model innovation of new agricultural management entities. Furthermore, initiatives such as improving the infrastructure of Internet financing, raising operators＇ fmance and credit awareness and building a modem enterprise system is the sound guarantee of financing innovation.