Research on the Digital and Intelligent Transformation of Agricultural Guarantee Based on Fiscal Policy
Journal: Modern Economics & Management Forum DOI: 10.32629/memf.v6i4.4197
Abstract
Against the dual backdrop of the in-depth implementation of the rural revitalization strategy and the continuous advancement of fiscal policies supporting agriculture, the state has put forward higher requirements for the "precise supervision" and "maximization of benefits" in the use of fiscal funds. As a key link connecting fiscal funds with agricultural business entities, promoting the digital and intelligent (digital-intelligence) development of agricultural credit guarantees helps build a full-process fiscal fund supervision platform, break down data barriers among government, banks, and guarantee institutions, meet the requirements of "safety–efficiency–precision" in the use of fiscal funds, and address the problems of "difficult and slow financing" faced by agricultural business entities. This has become an important topic for enhancing policy effectiveness. However, at present, China's digital and intelligent transformation of agricultural guarantees still faces systemic challenges such as a weak data foundation, fragmented business processes, and difficulties in model application. In this context, based on the perspective of fiscal policy, this study systematically analyzes the dilemmas faced in the digital and intelligent transformation of agricultural guarantees, draws on advanced domestic and international experience, and constructs a practical path of "system building–data governance–process reengineering–risk control upgrading" to provide practical references for unleashing the effectiveness of fiscal policies in supporting agriculture.
Keywords
fiscal policy; agricultural guarantee; digital-intelligence development
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[3] Zhou Luye. Research on the Digital Transformation Strategy of Agricultural Financing Guarantee Companies in S Province[D]. Northwest A&F University, 2024. 003014.
[4] Ding Qian. Research on Digital Strategies for Risk Control of Agricultural Financing Guarantee Companies[D]. Central University of Finance and Economics, 2023. 000192.
[5] Wu Qinjing, Wang Ruiqian. Digital Driving Opens Channels for Financing in Agriculture, Rural Areas and Farmers[N]. United Daily, 2023-05-17(002).
[6] Feng Lin. Research on the Platform Transformation of Policy-based Agricultural Guarantee under the Background of Common Prosperity[J]. Rural Finance Research, 2022, (10): 13-19.
[7] Lin Bin. Research on the Construction of Financing Guarantee System from the Perspective of Multi-stakeholder Benefits[J]. China Collective Economy, 2023, (24): 121-124.
[8] Ma Guojian, Fan Ya. Research on Decision-making Mechanisms of Agricultural Financing Guarantee Institutions[J]. Rural Finance Research, 2018, (05): 65-71.
[9] Gu Haifeng. Bank-Insurance Cooperation, Guarantee Investment and Bank Credit Risk Diversification — From the Perspective of Bank-Insurance Credit System[J]. Contemporary Economic Science, 2017, 39(04): 41-50.
[10] Chen Xiaohong, Xu Xuanhua, Zeng Aiqun. Research on Automated Decision Support System for Credit Guarantee Business[J]. Systems Engineering, 2004, (10): 75-79.
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