“互联网+”供应链金融 开启“三农”服务新模式——基于大丰村镇银行“三位一体”的供应链金融模式探索  

“Internet plus” Supply Chain Finance Launch a New Service Model for “Agriculture,Rural Areas and Farmers”——Based on Dafeng Village Bank's “Three-in-One”Supply Chain Finance Model Exploration

作　　者：叶松勤 罗殷卉 孙蕾 YE Songqin;LUO Yinhui;SUN Lei(Financial College,Jiangxi Normal University,Nanchang,Jiangxi 330022,China)

机构地区：[1]江西师范大学财政金融学院,江西南昌330022

出　　处：《金融教育研究》2018年第5期19-32,共14页Research of Finance and Education

基　　金：国家社会科学基金项目"我国战略性新兴产业环境效率研究"(14BJY020);江西省研究生创新基金省级立项资助项目"产业政策对政府优惠资源配置效率的影响研究"(YC2017-S119)

摘　　要：服务"三农"是村镇银行的设立初衷,为建设社会主义新农村作贡献。然而,在具体的运营过程中,村镇银行基于风险控制的考虑,忽略了对无抵押物、缺少担保农户的金融服务,这有悖于村镇银行设立的初衷,其主要原因是村镇银行在对接农户时面临着较大的困境。基于该现状,深入探讨了村镇银行对接农户时面临的困境及其成因,进而提出村镇银行、搬农网与农民专业合作社"三位一体"的供应链金融模式,使村镇银行、农民专业合作社与优质电商构成"经济共同体",从而实现三方共赢,为打通农村金融服务最后一公里,有效缓解"三农"难题提供一种新思路。The original intention of village banks was to serve ＂agriculture, rural areas and farmers＂, and make contributions to the construction of a new socialist countryside in China. However, during the operation process, vil lage banks have neglected financial services for unsecured and unsecured farmers based on risk control considera tions, which was violate the original intention. The principal reason is that rural banks face greater difficulties when docking farmers. Based on the current situation, this article discusses the difficulties faced by rural banks when they dock farmers, and analyzes the causes ; then put forward the ＂three in one＂ supply chain finance model of village banks, rural network and farmer professional cooperatives. It makes village banks, farmers＇ professional cooperatives and high quality e commerce companies foz^n an ＂economic community＂ so as to achieve a win win situation between the three parties. It also provides a new way of thinking to open up the ＂last mile of rural financial serv ices＂ and effectively alleviate the ＂three rural issues＂.

关 键 词：村镇银行 优质电商 农民专业合作社 三位一体 供应链金融 

分 类 号：F832.35[经济管理—金融学]