How Financial Innovation Shapes Agricultural Value Chain Development and Resilience: A Systematic Literature Review
这篇综述梳理了40篇高质量英文研究，识别出数字支付、数字信贷、供应链金融、区块链、去中心化金融、气候衍生品和混合金融等五种核心农业金融创新，分析它们如何缓解信息不对称、提升普惠金融、促进绿色生产力，并增强农业价值链的抗冲击与恢复能力，同时指出数字鸿沟、监管不足等制约因素。
ABSTRACT Financial innovation profoundly reshapes the financing mechanisms, risk structures, and resilience of agricultural value chains. Based on 40 high‐quality English studies (2018–2026), this review identifies five core agricultural financial innovations: digital payments, digital credit, supply chain finance, blockchain, and decentralized finance, as well as climate derivatives and blended finance. These innovations enhance financial inclusion for smallholders and agribusinesses by mitigating information asymmetry and easing financing constraints. The integration of green finance and digital inclusive finance lifts agricultural green total factor productivity and promotes eco‐friendly technology adoption. The synergy of supply chain finance, AI, and blockchain strengthens the shock resistance, recovery, and adaptive transformation capabilities of agricultural value chains. Constraints include the digital divide, technological uncertainty, insufficient regulation, and unsustainable business models. This paper constructs a “technology–institution–value” framework to illustrate transmission pathways and puts forward future research directions and policy implications.