双碳目标下绿色金融赋能农村电商的路径创新与政策协同研究

Research on Path Innovation and Policy Synergy of Green Finance Empowering Rural E-Commerce under the Dual Carbon Goals

摘要: 在“双碳”目标推动及绿色金融体系快速构建的背景下，农村电商作为乡村振兴的重要载体，其绿色转型面临着农产品标准化与品牌化程度低、物流基础设施薄弱、专业人才短缺及政策协同不足等诸多问题，而传统金融服务难以适配其绿色融资需求。本文探讨了绿色金融通过资金支持、风险缓释、行为引导和制度赋能四大机制对农村电商的作用，进而从产品创新、技术赋能、模式升级三个维度提出路径创新，分析了路径间的协同效应，并构建了包括“中央–地方”政策衔接的纵向协同、跨部门协作的横向协同在内的政策协同体系，旨在为绿色金融赋能农村电商绿色转型、推动乡村振兴和实现“双碳”目标提供思路。

Abstract: Under the background of the “dual carbon” goals and the rapid construction of the green financial system, rural e-commerce, as an important carrier for rural revitalization, faces many problems in its green transformation, such as low standardization and branding of agricultural products, weak logistics infrastructure, shortage of professional talents, and insufficient policy coordination. Traditional financial services are difficult to meet their green financing needs. This paper explores the role of green finance in rural e-commerce through four mechanisms: capital support, risk mitigation, behavioral guidance, and institutional empowerment. Then, it proposes path innovations from three dimensions: product innovation, technological empowerment, and model upgrading, analyzes the synergy among the paths, and constructs a policy coordination system including vertical coordination between the central and local governments and horizontal coordination among departments, aiming to provide ideas for green finance to empower the green transformation of rural e-commerce, promote rural revitalization, and achieve the “dual carbon” goals.