数字经济背景下东北农业产业链金融服务的发展困境与对策研究
Research on the Development Dilemma and Countermeasures of Financial Services for Northeast Agricultural Industry Chain under the Background of Digital Economy

在数字经济快速发展的时代背景下，金融服务的数字化转型对推动农业产业链优化升级具有重要作用。东北地区作为我国粮食主产核心区，其农业产业链的现代化转型对保障国家粮食安全与推动区域振兴具有战略意义。本文聚焦数字经济背景下东北农业产业链金融服务的发展困境，发现当前该地区面临数字基础设施薄弱、金融科技应用浮于表面、数据要素流动受阻、政策支持体系不完善以及参与主体协同不足等多重系统约束，制约了产业链的整体效能与可持续发展。针对上述困境，本文从夯实基础设施建设、推动前沿技术与农业金融场景融合、数据平台共建、完善政策体系和多方协同共治五个维度，提出系统性的实施路径，旨在提升金融服务与农业产业链的适配性，促进区域农业数字化转型与可持续发展。
Under the background of the rapid development of digital economy, financial services play a key role in promoting the optimization and upgrading of agricultural industrial chain. As an important grain producing area in China, the modernization and transformation of agricultural industry chain in northeast China is of strategic significance to ensure national food security and promote regional revitalization. This paper focuses on the developmental constraints of financial services for the agricultural industrial chain in Northeast China under the digital economy context and finds that there are multiple systemic constraints in the region, such as weak digital infrastructure, superficial adoption of fintech, restricted data sharing, inadequate policy support systems, and insufficient coordination among participating stakeholders, which restrict the overall efficiency and sustainable development of the industrial chain. In view of these problems, this paper puts forward systematic countermeasures from the aspects of strengthening infrastructure, integrating emerging technologies with agricultural finance scenarios, co-building a data-sharing platform, improving the policy support system, and promoting multi-party co-governance, so as to improve the alignment and effectiveness of financial services with the agricultural industrial chain, thereby supporting the digital transformation and sustainable development of agriculture in Northeast China.