Current，Blockchain and other modern information technology technologies rapidly，Injects new motivation into the development of rural finance。Blockchain technology is based on its decentralization and information that is difficult to tampering，Make the information recorded more realistic and reliable，Can alleviate the lack of trust in rural finance、Asset value is unknown、Poor financial gain and other problems。Some countries and regions use blockchain technology to lead rural financial services to transform and upgrade，Changed the agricultural supply chain finance、The operation mechanism of agricultural insurance and rural land finance，Improving the level of rural financial services。

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Settlement lag、Information fraud and financing difficulties have brought adverse effects on the development of Australian food supply chain。First，Farmers often cannot receive the payment in time after selling food。Australian food buyers usually complete payment at 2-5 weeks after the transaction is completed，There is a large uncertainty in the transaction process。Next，Because only 43%of food suppliers are willing to share data，Lead of food varieties、Quality、Sales situation and other information are not smooth，Fraud occurs when there is a fraudulent behavior。Information screening costs further raise the trading cost of food。Last，Whether it is a food buyer or a farmer，It is difficult to finance with inventory grain。During the planting period, farmers need to Bet365 app download pay a lot of funds during the planting of food and buyers during the acquisition of food，The amount of funds has become an important threshold that hinders buyers and sellers entering the field。

To solve the above problems，Australia rely on blockchain technology to build a grain cloud trading platform，Provide process management for food production。The platform aggregates farmers、Food buyers and financial institutions and other subjects，​​Integrated cargo flow of Australian food supply chain、Fund flow and information flow，Forms a more flat grain supply chain。The basic function of the platform is to use the blockchain technology to record the inventory and transaction information of food，Including the quality of food、Quantity and other feature information and the change of ownership、Order price and other transaction information，Share information with all subjects on the platform at the same time。Platform provides accurate and transparent information and opportunities for direct docking for participants in the food supply chain。For example，Farmers can skip the original layer of procurement mode，Find the right buyer on the platform，and buyers can not use other collateral and credit reporting methods，With the help of grain inventory, we can get financial support from financial institutions。From this，The platform of the platform needs the main body of the food supply chain to be aggressive by the correlation layer，The flat form that is transformed into different subjects。The transformation of the grain supply chain form is the foundation of solving related issues，The platform also develops derivative supply chain financial products with the help of blockchain technology。

Question of settlement lag，The platform will bet365 Play online games review the number of food sold and sell food in advance and funds for the purchase of food，Once the transaction is completed，The platform will automatically settle food and money through smart contracts，Utilize the non -tampering of the blockchain to avoid postponing payment and the occurrence of post -default afterwards。Question of fraud on information，Platform can provide food from the whole process information from leaving farmland to storage and processing to terminal consumers。This information is due to the mechanism of the distributed recording of the blockchain technology，Can't be tampered with any subject in the process，It guarantees the true and credible information，Reduced information on information in the process of grain transactions。Difficulties in financing，With the food price and food inventory information of the platform，Financial institutions can accurately make valuations for inventory grain，Digitalization of the value of stock food，Based on the value of the food in stock, the loan is issued，reduced the financing threshold of both parties for the food supply chain。2021，Grain output managed by the above platform accounts for 15%of Australia's total grain output，Grain transaction amount reaches 4.25 billion US dollars，Provided users with $ 105 million in financial support，Improving the operating efficiency of the food supply chain by improving financial services。

　　Sri Lanka promotes agricultural insurance promotion

Extreme weather is an important production risk faced by Sri Lanka small and medium -sized farmers。For most Sri Lanka small and medium farmers，Planting rice is their only source of income。Rice planting requirements for climatic conditions are higher，Drought、The impact of extreme weather such as bet365 live casino games floods on Sri Lanka's small and medium -sized farmers is particularly serious。Studies show，In 2016，About 1.2 million people in Sri Lanka were adversely affected by extremely dry weather，Among them, the loss of small and medium -sized farmers is the most serious。Floods also occur from time to time in Sri Lanka，The average 40%of farmers in Bytiklo lose the crops due to floods，In severe years, floods can affect the rice harvest of 70%of farmers。Based on this，Agricultural Insurance has become an important financial tool for small and medium -sized farmers to resist meteorological risks。But the cost is high、Terms are complex、Difficulties in claims restrict the promotion of agricultural insurance among small and medium farmers。First，There are many species of the targets of agricultural insurance，The audience of each subject is limited，This has improved agricultural insurance design and fixed loss cost to a certain extent。Next，Agricultural insurance fixed loss、The terms of claims are usually more complicated，​​Farmers' incomplete understanding of the terms leads to low acceptance of agricultural insurance。Last，The claim cycle of agricultural insurance is very long，Generally only a few months after the risk, you can pay compensation，restricted farmers' post -disaster recovery activities。Sri Lanka, with a total population of nearly 1/3 of the agricultural population，The number of farmers who purchase agricultural insurance is very small。For this，Sri Lanka local public welfare organization United insurance company and blockchain technology company jointly launched a blockchain -based rice insurance product，Promoting the promotion of agricultural insurance in Sri Lanka。

The application of blockchain technology in rice insurance，bet365 Play online games is the basis for converting the basis of claims from rice loss into a meteorological index，Improving the operating efficiency and popularity of insurance。Sri Lanka's rice insurance cannot be tampered with with the information of blockchain technology，Link rice insurance to the rainfall index，Once the rainfall index exceeds the threshold，Insurance clauses will automatically trigger claims according to smart contracts。Blockchain agricultural insurance has three advantages compared to traditional insurance。First，Agricultural insurance companies only need to adjust the threshold and amount of the meteorological index claims for different crop products，No need to modify the insurance clause significantly，Do not need to be fixed on the spot on specific agricultural products，A high cost problem。2，It is easier to understand with meteorological index as the basis for claims，Farmers only need to calculate the amount of compensation based on the height of the objective meteorological index，It is easy to be accepted by farmers while reducing claims disputes，A problem with complexity of the clause。third，Smart contract application based on blockchain technology，It can automatically trigger insurance compensation when the meteorological index reaches the threshold，Reduced on -site inspection、Insurance fixed loss、Internal approval and other processes，A problem that relieves the difficulty of claims。Use blockchain technology to innovate rice insurance operation mechanism，The operating cost of the insurance company is reduced by 41%，The premium level undertaken by farmers decreases by 30%，The claim cycle is shortened from 3 months to 1 week，Sri Lanka farmers currently registered on the blockchain Bet365 app download insurance platform have exceeded 10,000。

　　Kenya to improve rural land financial efficiency

Due to the problems left over from history，Some land ownership of some Kenya is not clear enough，Fraud and multiple ownership in the process of land circulation、The irregular incident caused by the transaction caused by the false property right certificate。other，The cost of transactions is higher, which also restricts land circulation，In Kenya，It takes 59 days to apply for real estate transfer registration，Transfer cost can reach 9%of its value。All of the above limited the circulation of agricultural land，It makes it difficult for its financial value to be activated。

Fintech company LAND LAYBY launched the blockchain digital land system，Record land information and transaction records with blockchain technology，While ensuring the information will not be forged and tampered with，Reduced the cost of repeated survey during circulation during circulation。Related trading platforms can reduce fraud in land transactions and leasing through certified land ownership information，and use smart contracts to automatically perform land ownership、Delivery of the right to use and funds，Guaranteed the authenticity of the land information，promoted the circulation of agricultural land，Improving the operating efficiency of rural land finance and the land utilization rate and agricultural production level of Kenya。At the same time，The use of blockchain technology in the land confirmation of land also activates the financial value of the land，The owner of the land can rely on the certified land information，Apply for a mortgage loan from the bank，Improving the financial accessibility of small and medium -sized farmers。Current，LAND LAYBY Company has used blockchain bet365 Play online games and smart contracts to realize automatic transactions for land transfer，Issuing tokens available for settlement is about $ 200,000。

　　(This article is the Study of Digital Supply Chain Finance Supporting New Agricultural Management Models and Operating Mechanism Research "(19AJY018) phased results)

　　(Author Unit: School of Economics, Hangzhou Normal University)