福建茶叶企业差异化与融资风险透视

Perspective of Financing Risk from the Differentiation in Fujian Tea Enterprises

对福建省茶叶重点产销市县的221家茶叶企业进行问卷调查,并通过对不同经营模式茶叶企业的差异化分析,以阐明福建茶叶企业的融资情况与融资风险。研究结果表明,福建茶叶企业基本属于小微企业,其金融需求主要涉及融资、存款、结算等方面,大多通过银行和合作社金融机构实现服务满足。鉴于茶叶企业的融资风险较大,其融资和贷款难的问题普遍存在。需从金融机构的制度创新、行业协会的信用保障及职能部门的政策支持入手,构建破解福建茶叶企业融资风险的制度架构。

Some questionnaires were used in 221 Tea Corporations in cities and towns of Fujian, which mainly producing and marketing tea, to survey the advantage of differentiation, and the results elarified the situation of financing in these corporations and the risk under it. Conclusions indicated that Fujian tea enterprises were small to micro in scale basically, which mostly meet its financial needs through financial institutions such as banks and cooperative, mainly related to financing, deposit, settlement, etc. In view of the big financing risk, financing and loans problems were prevalent among tea enterprises. Constructing institutional framework to crack the financing risk of Fujian tea enterprises should start with system innovation of the financial institutions, credit protection of industry associations and policy supporting of functions.