农业供应链金融与我国农户融资模式创新

Based on the Perspective of Agricultural Supply Chain Finance, Analyzes the Innovation of Rural Household Financing Mode in China

我国农户因为小规模经营、信贷模式滞后、信息不对称等问题长期面临融资困境。由于我国的融资模式创新严重落后于农户日益增长的融资需求,农户融资模式创新已成为振兴乡村经济的重要课题之一。在农业供给侧改革不断推进、农业产业化经营的背景下,农业供应链的发展为越来越多的农户提供了新的融资机遇。因此,通过比较现有农业供应链融资模式,剖析农户融资难的表现和原因,试图有针对性地提出农业供应链金融运行保障的建议。

China's farmers face long-term financing difficulties due to small-scale operation,credit model lag,information asymmetry and other problems.Due to the fact that the innovation of financing mode in China lags behind the increasing financing demand of peasant households,the innovation of peasant household financing mode has become one of the important subjects to revitalize rural economy.Under the background of continuous reform of agricultural supply side and industrialization of agriculture,the development of agricultural supply chain provides more and more farmers with new financing opportunities.Therefore,by comparing the existing financing modes of agricultural supply chain,this paper analyzes the performance and reasons of farmers'financing difficulties,and puts forward Suggestions on the operation guarantee of agricultural supply chain finance.