基于旺农贷的“农业价值链+电商平台”的融资模式研究

Research on Financing Mode Based on “Agricultural Value Chain + Electric Business Platform”——A case study of Wangnong loan

农业价值链融资是服务农业的一项金融服务措施,本文以旺农贷为案例,探索农业价值链+电商平台的融资模式。研究发现,网商银行借助旺农贷的村淘平台对农户的深入了解,依托旺农贷为农业价值链上农户提供贷款支持,农户获得贷款资金后必须在电商平台上完成销售,实现产供销一体化。这种价值链融资模式拓展了农户的融资渠道,防控了风险,推动农业产业化发展。为了进一步推广这种融资模式应规范"准入"门槛,完善农业保险系统,发挥龙头企业的带领示范作用。

Agricuhural value chain financing is a financial service measure to serve agriculture. This thesis takes Wangnong loan as an example to explore the financing model of agricultural value chain ＋ electric business platform. The study found that, with the help of Wangnong loan, the farmer＇s bank could provide the loan to the peasant households in the agricultural value chain, and the farmers must complete the sales on the electric business platform. To achieve integration of production, supply and marketing. This value chain financing model expand the financing channels of farmers, prevent and control of the risk, promote the development of agri- cultural industrialization. In order to further promote this financing model should be standardized ＂access＂ threshold, improve the agri- cultural insurance system, play a leading role in leading enterprises.