农业价值链内部融资对解决农户贷款问题的优势——基于交易成本视角

Advantages of Internal Financing of Agricultural Value Chain to Solve the Problems of Farmers Loans from Transaction Cost Perspective

农村融资困难,农民缺乏资金进行生产经营一直制约着我国农村经济的发展,如何改善农民的融资困境是农民创业、增收的一大难题。而近年来农业价值链的发展在带动农村经济发展上取得了较大成果。文章对交易成本和农业价值链融资的内涵进行了简单的介绍,从交易成本视角说明了农民从正规金融渠道获得资金融通的困难与不足以及农业价值链内部融资的成本优势,指出农业价值链内部融资是改善农民融资困境的有效方法。

Rural financing difficulties and the lack of funding for crop production are two factors affecting the development of China＇ s rural economy. It is difficult to bring forward some measures to help farmers walk out of the financing dilemma. In recent years, the development of agricultural value chains has achieved excellent results in driving on rural economic development. This paper introduces the basic concepts about the agricultural value chain financing and the transaction cost, and explains the difficulties that farmers get financing from the formal financial channels and the advantages of the internal financing of agricultural value chain. From the perspective of transaction costs, the paper shows that the foregoing internal financing is an effective way which helps solve farmers＇ financing difficulties.