农资赊销中的金融合约:社区信用与捆绑销售

Agricultural Credit in the Financial Contracts:Community Credit and Bundling

兴起于20世纪90年代的农资赊销是一种普遍的农村社区信用形式,是中国转型期产生的一种特别的金融合约,在其所出售的农资价格中不但包括了经销商与农户基于赊欠金额的利率,而且捆绑了服务、咨询以及开拓市场等一系列相关费用。在市场竞争条件下,农资经销商使其营销网络延伸到农村社区,其行为构成了社区活动的组成部分,并能低成本地运用社区信用资源,从而使农户获得了一条高效率的生产性资金来源。因此,通过金融创新,开发服务于农资经销商的金融产品,可以构建一个以社区信用为基础的农资赊销网络,为农户提供一个低成本的农业生产资料融资渠道。

The agricultural credit is a common form of credit in rural communities beginning at 1990＇s, which is a special type of financial contracts in the transition of china, they sold at the price of agricultural materials, including not only the distributor with the farmers based on the amount of credit interest rates, but also a series of related costs for bundling services, consulting as well as opening up the market. Competiing in the market conditions, the agricultural agent extend trade network to rural communities, which constitute an integral part of community activities and use community credit resources by low cost, thus the farmers can obtain efficient production of funding. Through financial innovation, and developing financial products that services for agricultural agent you can build an agricultural trade network based on community credit and provide with a low-cost financing channels for farmers.