农业数字供应链金融何以助力小农户采纳农业新质技术？^*

How Does Agricultural Digital Supply Chain Finance Drive Farmers' Adoption of Agricultural New Quality Technology?

摘要

农业数字供应链金融正成为破解小农户融资约束、推动农业新质技术采纳的重要路径。文章基于园区交易信任视角，从理论与实证维度考查以现代农业产业园为载体的农业数字供应链金融何以助力小农户采纳农业新质技术。研究发现，农业数字供应链金融显著促进园区内信任机制的形成，有效激励农户采纳农业新质技术，不仅提升新质技术采纳率，而且显著改善新质技术的应用水平与推广效果。机制分析表明，该模式主要通过农业供应链整合、信息渠道数字化及同群效应三条路径发挥作用。异质性分析揭示，上述促进效应在市级及以上等级园区、近郊型园区以及高学历农户群体中更为突出。进一步研究显示，相较于绿色农业技术，农业数字供应链金融对数字农业技术与良种采纳的带动效应更为显著。据此，建议深化“数据增信”的农业数字供应链金融创新，强化数字信任与利益联结机制，构建多方协同、分层分类的技术推广体系，加速农业新质技术普及与农业现代化转型。

Abstract

Agricultural digital supply chain finance is emerging as a crucial pathway to alleviate financing constraints for smallholder farmers and promote the adoption of new agricultural technologies. This study, from the perspective of transaction trust in agricultural parks, examines how agricultural digital supply chain finance, facilitated by modern agricultural industrial parks, supports smallholder farmers in adopting new agricultural technologies. The findings reveal that agricultural digital supply chain finance significantly fosters the formation of trust mechanisms within parks, effectively incentivizes farmers to adopt new agricultural technologies, and not only enhances the adoption rate but also markedly improves the application level and dissemination effectiveness of these technologies. Mechanism analysis indicates that this model primarily operates through three pathways: agricultural supply chain integration, digitalization of information channels, and peer effect. Heterogeneity analysis further reveals that the aforementioned promoting effects are more pronounced in parks at or above the municipal level, suburban-type parks, and among farmers with higher education levels. Additional research demonstrates that, compared to green agricultural technologies, agricultural digital supply chain finance exhibits a more significant driving effect on digital agricultural technologies and the adoption of high-quality seeds. Accordingly, it is recommended to deepen the innovation of agricultural digital supply chain finance, strengthen digital trust and benefit-sharing mechanisms, establish a multi-party collaborative and stratified technology dissemination system to accelerate the application of new agricultural technologies and the modernization of agriculture.

关键词

农业数字供应链金融 / 农业新质技术 / 现代农业产业园 / 技术采纳

Key words

agricultural digital supply chain finance / agricultural new quality technology / modern agricultural parks / technology adoption

参考文献

[1] 郑继兴, 申晶, 王维, 等. 基于整合型科技接受模型的农户采纳农业新质技术行为研——采纳意愿的中介效应[J]. 科技管理研究, 2021, 41(18): 175-181.

[2] 周群, 陈学渊, 韩晓静, 等. 华北平原国家现代农业产业园: 区域特征、效率评价与对策建议[J]. 中国农业资源与区划, 2025, 46(1): 190-201.

[3] 万俊毅, 韩亮, 徐静. 现代农业产业园建设何以促进农民增——基于产业集聚和结构升级的双重视角[J]. 农村经济, 2024(6): 119-131.

[4] 肖琴, 罗其友. 国家现代农业产业园建设现状、问题与对策[J]. 中国农业资源与区划, 2019, 40(11): 57-62.

[5] 杨建辉, 张凯旋. 社会资本、农作物差异与农业化学投入替代技术的采——基于山东942份农户调查数据[J]. 农业技术经济, 2024(6): 90-106.

[6] 聂颖, 赵美顺, 崔钊达. 技术培训如何影响农户保护性耕作技术采纳[J]. 农业经济与管理, 2025(4): 53-64.

[7] 田梦玲, 刘瑞峰, 王剑. 农户会因同伴而采纳环境友好型农业技术——基于演化博弈模型的案例研究[J]. 农业技术经济, 2025(3): 65-86.

[8] Ramadan E, Abdalla S, Al Ahbabi A, et al. Toward sustainable urban agriculture in the arid GCC states: Drivers of technology adoption among small-scale farmers[J]. City and Environment Interactions, 2025, 28: 100222. DOI: 10.1016/J.CACINT.2025.100222.

[9] 王全忠, 田中宝, 潘锦云, 等. 信任能否促进农户选择病虫害统一防治服务?[J]. 中国农村观察, 2022(4): 115-133.

[10] 刘晨冉, 耿伟栋, 刘冲, 等. 小农户与现代农业衔接的机制和关键因素研——基于合作社和供应链金融的视角[J]. 管理世界, 2024, 40(10): 103-120.

[11] 蒋伯亨, 温涛. 农业供应链融资与小农户增收: 效应与机制[J]. 西南大学学报(社会科学版), 2022, 48(5): 86-95.

[12] Ye S, Tu A, Ye Y, et al. Digital divide, agricultural supply chain finance, and the urban-rural income gap in China[J]. Sustainable Futures, 2025: 100863. DOI: 10.1016/j.sftr.2025.100863.

[13] 蒋伯亨, 温涛. 农业供应链金融(ASCF)研究进展[J]. 农业经济问题, 2021(2): 84-97.

[14] 宋华, 韩思齐, 刘文诣. 数字技术如何构建供应链金融网络信任关系?[J]. 管理世界, 2022, 38(3): 182-200.

[15] 孙顶强, 梅玉琦, 杨馨越. 现代农业园区建设能否促进农村产业融——基于全国8325个农业园区的经验证据[J]. 中国农村观察, 2024(3): 39-61.

[16] 李和平, 张晓晓. 农户视角下现代农业产业园利益联结机制探析[J]. 农村经济, 2019(7): 119-126.

[17] 刘彦君, 申云. 金融如何联农富农?——“数园智联”集群金融的富民效应与机制研究[J]. 农村金融研究, 2025(6): 48-63.

[18] Malaquias R F, Silva A F. Understanding the use of mobile banking in rural areas of Brazil[J]. Technology in Society, 2020, 62: 101260. DOI: 10.1016/J.TECHSOC.2020.101260.

[19] Fragomeli R, Zawadzki W, Czajkowski M, et al. Italian farmers' preferences for adopting agriculture 4.0 technologies: A choice experiment analysis[J]. Journal of Cleaner Production, 2025, 525: 146601. DOI: 10.1016/J.JCLEPRO.2025.146601.

[20] 申云, 刘彦君, 李京蓉. 数字普惠金融赋能农业新质生产力提升的逻辑、障碍及路径[J]. 南京农业大学学报(社会科学版), 2024, 24(5): 158-171.

[21] 庄腾跃, 李顾杰, 罗剑朝. 农户数字金融使用决策存在邻里效应吗[J]. 中国农村经济, 2024(8): 125-144.

[22] 申云, 李京蓉. 农民合作社供应链金融信贷利益联结研究[J]. 农业经济与管理, 2020(1): 66-77.

[23] 陶建杰, 尹子伊. 数字乡村背景下农村居民数字化渠道选择[J]. 华南农业大学学报(社会科学版), 2022, 21(1): 33-42.

[24] 孙彬涵, 罗小锋, 赵雯歆, 等. 农户施药防护行为存在邻里效应吗[J]. 农业技术经济, 2025(11): 96-112.

基金资助

*国家社会科学基金一般项目(23BJL103)

四川省教育科学规划重点项目(SCJG24B025)