金融学院知识库

  乡村振兴战略是十九大报告上做出的一项重大决策，要解决好“三农”问题，乡村振兴是关键。农业现代化作为乡村振兴战略“四个现代化”的重要组成部分，为中国农业发展指明了方向。在不断提高国民经济水平、不断加深农业产业化程度的过程中，需要用更先进的技术和理念推动农业现代化建设。实践表明，各类生产要素的持续投入是农业产业化发展的必然要求，尤其是长期的金融信贷支持，这就需要具备一个完善的农村金融体系。

  在乡村振兴背景下，本文以产业振兴作为突破点，采用文献研究法和实证分析的方法，以甘肃省2010-2020年14个市（州）作为研究对象，根据数据的可得性和变量的相关性构建了甘肃省中药材产业发展水平的指标体系，并基于熵权法的Topsis模型测算出各市（州）中药材发展水平的综合评价指数，并以此作为因变量，检验了甘肃省农业信贷和农业保险对中药材产业发展的影响。 

  本文得出以下主要结论：第一，甘肃省农业信贷对中药材产业发展具有明显的正向促进作用，农业保险虽然对中药材产业的发展也有一定的促进作用，但效果并不显著；第二，以中药材产业发展水平综合指数为基础将14个市（州）分为两个区域，发现农村金融对中药材产业发展水平的影响存在区域异质性。基于以上的理论研究和实证结果，本文提出以下建议：一是要逐步拓展农村金融信息的收集渠道，降低信息不对称导致的金融供给不足；二是营造可持续的农村金融环境，如建立完善的信用评价体系、拓展农业保险覆盖范围等；三是政府要通过财政政策的资金持续投入来引导更多金融资源投入农村产业发展；四是营造完善的农村金融法律制度环境，为农村投融资提供良好的制度和法律基础。

   The strategy of rural revitalization is an important decision and plan made at the 19^th National Congress of the CPC, an important historical task of building a modern socialist country in an all-round way, and a general grasp of the work concerning agriculture, rural areas and farmers in the new era. As an important part of rural revitalization strategy, agricultural modernization will become the main direction of agricultural development in China. In the process of improving the level of national economy and deepening degree of agricultural industrialization, it is necessary to lead the agricultural modernization construction with new development concept. The development of agricultural industrialization can’t be separated from the input of production factors, especially the sustained large amount of financial and credit funds, which requires a comprehensive, specialized and multi-level rural financial system.

  In the context of rural revitalization, this paper takes industrial revitalization as the breakthrough point, adopts the method of literature research and empirical analysis, and takes 14 cities (states) in Gansu province from 2010 to 2020 as the research object. According to the availability of data and the correlation of variables, an indicator system of the development level of Chinese herbal medicine industry in Gansu province is constructed. Based on the Topsis model of entropy weight method, the comprehensive evaluation index of the development level of Chinese herbal medicine in each city (state) was calculated, and the influence of agricultural credit and agricultural insurance on the development of Chinese herbal medicine industry in Gansu Province was tested as a dependent variable.

  The paper comes to the following viewpoints: first, agricultural  credit in Gansu province has an obvious positive promoting effect on the development of traditional Chinese medicine industry, while agricultural insurance also plays a certain role in promoting the development of traditional Chinese medicine industry, but the effect is not significant; secondly, based on the comprehensive index of the development level of TCM industry, the 14 cities (states)were divided into two regions, and it was found that there was regional heterogeneity in the impact of rural finance on the development level of traditional Chinese medicine industry. Based on the above theoretical research and empirical results, this paper puts forward the following suggestions: first, to improve the hidden incentive of famers’ reputation to them, reduce the financial supply shortage caused by information asymmetry; the second is to create a sustainable rural financial environment, such as establishing a perfect credit evaluation system, expanding the coverage of agricultural insurance, etc. Third, increase government financial investment, guide more financial resources into rural industrial development. Forth, improve the rural financial legal system to provide a sound institutional and legal basis.