福鼎白茶产业数字化转型：从贫困县到数字金融示范区的崛起
福鼎白茶产业数字化转型：从贫困县到数字金融示范区的崛起
Fuding White Tea Industry's Digital Transformation: From Poverty-stricken County to Digital Finance Demonstration Zone
福鼎 - 这座位于福建东北部的小城，正在书写着中国茶产业数字化转型的精彩篇章。作为中国白茶的发源地和主产区，福鼎白茶产量占全国60%以上，年产值突破百亿元。
Digital Fuding - This small city in northeastern Fujian is writing a brilliant chapter in the digital transformation of China's tea industry. As the birthplace and main production area of Chinese white tea, Fuding produces over 60% of the nation's white tea, with annual output value exceeding 10 billion yuan.
从贫困到繁荣的蜕变
From Poverty to Prosperity
30年前，福鼎还是国家级贫困县，如今已成为中国"茶城"和数字金融排头兵。当地60万人口中，约38万人从事与白茶相关的工作，农民人均可支配收入中超过一半来自茶叶产业。
Three decades ago, Fuding was a nationally designated poverty-stricken county. Today, it has become China's "Tea City" and a pioneer in digital finance. Among its 600,000 population, about 380,000 are engaged in white tea-related work, with more than half of farmers' disposable income coming from the tea industry.
数字金融解决产业痛点
Digital Finance Addressing Industry Pain Points
白茶产业发展面临三大资金难题：
- 采茶旺季人工成本飙升
- 仓储建设前期投入大
- 季节性资金需求波动明显
The white tea industry faces three major funding challenges:
- Soaring labor costs during peak tea-picking seasons
- Large upfront investment in storage facilities
- Significant seasonal fluctuations in capital needs
2019年，福鼎市政府引入网商银行，通过数据化风控模式，将农村交易、物流、支付等信息转化为信用资产。目前已有超过4万小微经营者和农户使用数字贷款服务。
In 2019, the Fuding municipal government introduced MYbank, transforming rural transactions, logistics, and payment information into credit assets through data-driven risk control models. Currently, over 40,000 small businesses and farmers use digital loan services.
数字化转型的三大支柱
Three Pillars of Digital Transformation
1. 政府推动产业创新
成立茶产业发展中心、茶产业协会等专门机构，出台系列扶持政策。
1. Government-driven Industry Innovation
Established specialized institutions like the Tea Industry Development Center and Tea Industry Association, with a series of supportive policies.
2. 数字化管理平台
2021年上线白茶大数据溯源平台，纳入2859家茶企、4129个茶青经纪人和77799户茶农。
2. Digital Management Platform
Launched the White Tea Big Data Traceability Platform in 2021, covering 2,859 tea companies, 4,129 tea brokers and 77,799 tea farmers.
3. 产业互联网融合
探索"互联网+正宗原产地"模式，开展市长直播带货等活动，2021年位列全国"农产品数字化百强县"第四名。
3. Industry-Internet Integration
Explored the "Internet + Authentic Origin" model, conducted mayor live-streaming events, ranking 4th in the 2021 "Top 100 Digital Agricultural Counties".
未来展望
Future Prospects
福鼎模式正在向黄栀子、四季柚及海产品等产业延伸，通过数字信贷服务实现全产业链数字化升级。茶旅融合的新模式，将白茶产业打造为旅游发展的"助推器"。
The Fuding model is extending to industries like gardenia, four-season pomelo and marine products, achieving whole-industry-chain digital upgrades through digital credit services. The new tea-tourism integration model is turning the white tea industry into a "booster" for tourism development.
从国家级贫困县到中国"茶城"，再到数字金融示范区，福鼎的转型之路证明：创新是县域经济发展的核心动力，数字化转型是乡村振兴的重要路径。
From nationally designated poverty-stricken county to China's "Tea City", then to digital finance demonstration zone, Fuding's transformation proves: innovation is the core driver of county-level economic development, and digital transformation is an important path for rural revitalization.
