Analysis of Digital Inclusive Finance Policies in Supporting the Development Strategies for Rural Household Agricultural E-Commerce

瀚文 刘 · 2025 · E-Commerce Letters

Summary. Digital inclusive finance policies in China enable rural households to sell agricultural products through e-commerce, creating new income pathways. However, three major obstacles limit growth: financial products poorly match farmer needs, with too many microloans and insufficient venture capital; infrastructure gaps in remote areas and high cold-chain losses increase logistics costs; and weak risk controls expose lenders to agricultural price volatility and credit information gaps. The paper proposes coordinated improvements in financial products, infrastructure, and risk management to strengthen rural e-commerce ecosystems.

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@article{2025-analysis-digital-inclusive-finance-policies,
  title   = {Analysis of Digital Inclusive Finance Policies in Supporting the Development Strategies for Rural Household Agricultural E-Commerce},
  author  = {瀚文 刘},
  journal = {E-Commerce Letters},
  year    = {2025},
  doi     = {10.12677/ecl.2025.1451376},
  url     = {https://doi.org/10.12677/ecl.2025.1451376}
}

TY  - JOUR
TI  - Analysis of Digital Inclusive Finance Policies in Supporting the Development Strategies for Rural Household Agricultural E-Commerce
AU  - 瀚文 刘
JO  - E-Commerce Letters
PY  - 2025
DO  - 10.12677/ecl.2025.1451376
UR  - https://doi.org/10.12677/ecl.2025.1451376
ER  - 

Details

DOI

10.12677/ecl.2025.1451376

Countries

China

Regions

Asia

Categories

food-systems, broadband-and-digital, funding, general-innovation

Added

2026-06-01