基于供应链金融的河南省农业企业融资对策

The Financing Countermeasures for the Agricultural Enterprises in Henan Province Based on Supply Chain Finance

河南省农业企业面临融资总量不足、信贷成本高、融资担保体系不健全、信贷模式滞后、金融产品匮乏等问题,其根源在于农业企业自身管理滞后、金融机构"惜贷"、银企信息不对称和政府扶持力度不够。河南省农业企业应借助应收账款融资模式、保兑仓融资模式和融通仓融资模式走出融资困境。应进一步规范农业企业自身行为,扶持农业供应链核心企业,发展第三方物流企业的质押监管业务,加强农业金融生态环境建设。

The financing of agricultural enterprises in Henan Province are facing the lack of total financing,high credit costs,imperfect financing guarantee system,the lagging of the credit model,the lack of financial products,etc.Its root lies in the lagging of agricultural enterprises management,financial institutions "credit crunch ",asymmetric information between banks and enterprises and inadequate government support.Agricultural enterprises in Henan Province should free the financing form predicament by using the accounts receivable financing model,the confirmed warehouse financing model and the financing mode of warehouse financing.In order to develop the supply chain model further,the agricultural enterprises in Henan Province should further regulate their own behavior,support the core enterprises of agricultural supply chain,develop the pledge supervision business of the third party logistics enterprises,and strengthen the agricultural financial ecological environment construction.