基于信用违约互换的“公司+农户”模式优化

Optimization of “Company & Farmer” Mode Based on Credit Default Swap

目前,我国"公司+农户"农业产业经营模式在实践中还存在着诸多问题。现阶段农户与公司之间还只是简单的买卖关系,并未达到预期的利益联结程度。在"公司+农户"模式中,由于农户自身的局限性以及农业公司对高利润的追逐,在双方对合约执行价格的协商博弈过程中,农户处于弱势地位。在短时间无法改善农户收益现状的情况下,各农户可寻求外部金融产品的帮助,以防范合约签订后所面临的信用风险。基于信用违约互换的内在原理,农户可以通过向金融机构购买类似的金融产品,合理转嫁其面临的公司违约风险,有效维护自身权益,进而优化农业产业化经营模式。

At present, the ＂Company ＆ Farmer＂ mode is being practiced but with many problems. The relationship between farmers and companies is just selling and buying, without establishing a expected benefit connection. Due to limitations of farmers and pursuit of profits of the companies, in the process of negotiating of the price of the contract, farmers are in a disadvantaged position and their fights are not guaranteed. To solve this problem, farmers can seek the help of financial products similar to CDS to transfer the company＇s default risk and safeguard their interests in order to optimize the mode of agricultural industry.