数字普惠金融背景下农产品电商企业的融资现状与路径探索

The Financing Status and Exploration of Pathways for Agricultural Product E-Commerce Enterprises in the Context of Digital Inclusive Finance

摘要: 农产品电商企业拓展了农产品销售渠道，降低了农产品销售成本，提升了农户收益，在推进农产品销售过程中起到了重要作用。但是，一些农产品电商企业受到经营规模较小、质押物不足、资信等级较低等因素限制，在经营期间面临着“融资难、融资贵”的问题。数字普惠金融的发展为农产品电商企业的融资提供了新的机遇和挑战。本文旨在探讨当前农产品电商企业在数字金融背景下的融资现状，并分析其融资困境的形成原因。最后，基于数字金融的发展趋势和特点，提出了解决农产品电商企业融资困境的关键路径和策略，旨在为农产品电商企业在数字普惠金融时代的融资策略提供理论指导和实践借鉴，促进其可持续发展与创新。

Abstract: Agricultural product e-commerce enterprises have expanded channels for agricultural product sales, reduced sales costs, and increased farmers’ income, playing an important role in advancing the sales of agricultural products. However, some agricultural product e-commerce enterprises are constrained during operations by factors such as small business scale, insufficient collateral, and low credit ratings, facing the problem of “difficulty in financing and high financing costs.” The development of digital inclusive finance provides new opportunities and challenges for the financing of agricultural product e-commerce enterprises. This paper aims to explore the current financing status of agricultural product e-commerce enterprises in the context of digital finance and analyze the causes of their financing difficulties. Finally, based on the development trends and characteristics of digital finance, key pathways and strategies to address the financing difficulties of agricultural product e-commerce enterprises are proposed, aiming to provide theoretical guidance and practical reference for the financing strategies of agricultural product e-commerce enterprises in the era of digital inclusive finance, and promote their sustainable development and innovation.