Research on the Innovation of Supply Chain Financial Management Model for Agricultural Enterprises in the Context of Smart Finance

With the rapid development of smart financial technologies such as artificial intelligence, big data, and blockchain, the limitations of traditional supply chain financial models in the agricultural sector have become increasingly apparent. Based on supply chain management theory, information asymmetry theory, and smart finance theory, this study explores the innovative impact of smart financial technologies on the supply chain financial management model of agricultural enterprises. By conducting an empirical analysis of survey data from 300 agricultural enterprises nationwide and publicly available data, the study finds that smart financial technologies significantly enhance the financing efficiency of agricultural enterprises while reducing financing costs. Furthermore, the level of supply chain digitalization plays an important moderating role in the effectiveness of smart finance applications. The study identifies information sharing and cost control as the core mechanisms by which smart finance optimizes supply chain financial models. This research not only extends the theoretical boundaries of supply chain finance and smart finance but also provides specific recommendations for agricultural enterprises, financial institutions, and policymakers to improve the efficiency of agricultural supply chain finance, thereby contributing to rural revitalization and agricultural modernization.