| Driven by the rural revitalization agenda and agricultural digital transformation, synergy between digital agricultural platforms and financial services is increasingly viewed as a key approach to easing constraints on agricultural modernization. By developing a three-stage evolutionary model—data-driven operation, scenario-based innovation, and collaborative ecosystem building—this study systematically explains the underlying interaction mechanisms. Digital agricultural platforms consolidate data across the agricultural value chain to establish benchmarks for risk assessment in financial services. In turn, financial services support platform growth through funding and innovative product offerings. The current landscape can be classified into three models centered on conventional financial institutions, digital banks, and e-commerce platforms, which differ substantially in technological maturity, risk management, and service sophistication. The study further identifies structural bottlenecks, including infrastructure-induced data silos, misalignment between financial service offerings and agricultural needs, and regulatory lag. To address these issues, a tripartite strategy is proposed, comprising tiered data-governance frameworks, capability upgrading in financial services, and regulatory sandbox mechanisms, with a particular focus on blockchain-enabled data traceability and regionally tailored ecosystem development pathways. |
