农业产业化龙头企业价值链融资担保机制研究

Research on Value Chain Financing Guarantee Mechanism for Leading Enterprises in Agricultural Industrialization

我国传统的经济结构让农业融资产生困难,为了让农业产业化企业获得信贷,各大金融机构向农业产业化龙头企业提供了足够的担保。担保制度的不完善,成为制约现代农村经济发展的重要条件,农业生产企业的经济发展由于缺乏有效的担保资产,提高了贷款发生风险的系数。这就出现了农业生产企业"难贷款"、农民"贷款难"的被动局面。近年来,我国一些政府职能部门针对农业经济的发展特色,设立了一些适合农业生产企业发展的信贷担保机构,改善农业生产企业和农民信贷难的问题。而且对农村信贷担保机制创新问题进行了有效的研究,这些研究促进了我国担保创新机制的发展,对解决融资担保难问题具有现实意义,促使一些金融单位更好地为农业产业化企业服务。

The traditional economic structure of our country makes agricultural financing difficult. In order to obtain credit for enterprises in agricultural industrialization, the major financial institutions provide adequate guarantee for leading enterprises in agricultural industrialization. However, the imperfect guarantee system has become the main factor constraining the modem rural economic development. The economic development of agricultural production enterprises will take higher loan risks due to lack of effective collateral assets, which gives rises to a passive situation of ＂hard loans＂ for agricultural production enterprises and ＂difficult loans＂ for farmers. In recent years, some functional govemment departments in our country, targeting on the characteristic of agricultural economy development, set up some credit guarantee institutions to suit the development of agricultural production enterprises, which resolves farmers＇ and agricultural production enterprises＇ financing difficulties. Some effective research has been made on mechanism innovation for rural credit guarantee. All the research has realistic significance to promoting the development of guarantee innovation mechanism and to solving the difficulties in financing guarantee so as to promote some finance units to better serve enterprises in agricultural industrialization.