北京市涉农中小企业新型融资模式的探索

Exploration of New Financing Mode of Beijing Agriculture-related Small and Medium-sized Enterprises

农业是我国重要的基础产业,粮食安全是国家安全的核心,保障涉农中小企业健康发展有利于社会、经济、政治等多方面的稳定,然而北京市涉农中小企业融资难题仍有待解决。文章首先研究当下北京市涉农中小企业融资发展现状;其次探讨其可供选择的融资路径,基于“保险+期货”模式提出新型“银行+保险+期货”融资模式,深入分析各部门在融资体系中的合作关系;再次通过建立信贷合约模型论证分析,得出该模式能够提升中小企业的融资效率,有效降低涉农中小企业的融资风险;最后针对新模式未来发展方向及可能存在的风险提出相关建议。

Agriculture is an important basic industry in China,food security is a core of national security,safeguarding the healthy development of agriculture-related small and medium-sized enterprises is beneficial to social,economic,political and other aspects of stability,however,Beijing financing problem of small and medium-sized enterprises still needs to be solved.Firstly,this paper studies the current situation of financing development of agriculture-related smes in Beijing.Secondly,discusses the alternative financing path.Then,based on the“insurance+futures”mode,proposes a new financing mode of“bank+insurance+futures”,and analyzes the cooperation relationship between various departments in the financing system deeply.Thirdly,through the demonstration and analysis of the credit contract model,concluds that this model can improve the financing efficiency of small and medium-sized enterprises and effectively reduce the financing risk of agriculture-related small and medium-sizedenterprises.Finally,puts forward some suggestions for the future development direction and possible risks of the new model.