农业供应链金融信用风险致因研究:系统框架与实证分析——来自黄河中上游五省区的780份调查数据

Research on a Systemic Framework and Empirical Analysis of Agricultural Supply Chain Finance Credit Risk Based on 780 Survey Data from Participants in Five Provinces of China

通过农业供应链金融信用风险致因分析系统框架构建结构方程模型,依据来自黄河中上游流域五个省份780份调研数据展开的实证研究发现:就农业供应链金融信用风险而言,所提出的致因分析系统框架能够系统反映其影响因素;核心企业与融资企业作为主要参与主体,对其影响颇为关键,同时,作为信用风险直接载体的融资资产其风险属性影响显著;自然环境和经济环境因素是对其产生重要影响的外在因素;产业政策和风险中介服务是重要的系统影响因素;供应链关系影响不容忽视,供应链关系质量是影响供应链关系的深层次因素,网络信息技术应用效果有待提升。

The system scheme of agriculture supply chain finance credit risk cause analysis is put forward and the structure equation model is established.With the 780 survey data from the major five agriculture provinces in the upper and middle Yellow River reaches,the empirical research on the system scheme and formation path of agriculture supply chain finance credit risk is carried on.For the agriculture supply chain finance credit risk,it is found how the cause factors influence:Firstly,the analysis scheme based on the system theory is in line with the credit risk management practice systematically.Secondly,as the major participants,the core enterprise and financing enterprise have critical impact on it,and at the same time,the financing assets attributes have a significant influence as the direct carrier.Thirdly,natural and economic environment are the important external systemic factors.Fourthly,the risk intermediary service and industrial policy are important factors.Finally,the impact from supply chain relation and Internet information technology application are also significantly.