互联网+环境下食用菌供应链金融创新模式  

Financial Innovation Mode of Edible Fungi Supply Chain under Internet+ Environment

作　　者：周敬轩 ZHOU Jing-xuan(Business school,Central South University,Changsha 410083,China)

机构地区：[1]中南大学商学院,湖南长沙410083

出　　处：《中国食用菌》2020年第7期235-237,共3页Edible Fungi of China

基　　金：2015年湖南省软科学研究计划项目(204576108H)。

摘　　要：随着经济体制的深化改革,各行业供应链的稳定成为行业稳健发展的前提。当前我国食用菌供应链金融模式主要以"银行+农业合作社+企业"模式、"质押+担保"模式、"合同+贷款"等模式为主,通过对以上食用菌供应链金融模式在农村应用的研究,发现大多数地区出现了金融机构贷款额度低、食用菌产业发展规模受限、食用菌供应链中成员关系稳定性差、金融机构风险较大、电子商务模式不成熟、食用菌供应链金融创新意识不足、农业保险意识缺乏、食用菌供应链金融存在较大隐患等问题。因此,结合互联网+的大环境,可以从政府政策支持、扶植优质合作社和龙头企业、拓宽贷款渠道、完善农业保险制度等方面对食用菌供应链金融模式进行创新。With the deepening reform of the economic system, the stability of the supply chain of various industries has become the prerequisite for the steady development of the industry. At present, China’s edible fungi supply chain financial model was mainly based on the"bank + agricultural cooperative + enterprise"model,"pledge + guarantee"model,"contract + loan"model, etc., through the application of the above edible fungi supply chain financial model in rural areas the study found that in most regions, there were low loan amounts of financial institutions, limited development scale of the edible fungi industry, poor stability of member relationships in the edible fungi supply chain, high risk of financial institutions, immature e-commerce models, and financial innovation in the edible fungi supply chain insufficient awareness, lack of agricultural insurance awareness,and greater hidden dangers in edible fungi supply chain finance. Therefore, combined with the internet + environment, we can innovate the edible fungi supply chain financial model in terms of government policy support, fostering high-quality cooperatives and leading enterprises, expanding loan channels, and improving the agricultural insurance system.

关 键 词：互联网+ 食用菌供应链 金融 

分 类 号：S646.9[农业科学—蔬菜学]