农产品供应链金融融资信用风险研究  

Research on Financing Credit Risk of Agricultural Product Supply Chain Finance

作　　者：徐宁 王莉 XU Ning;WANG Li(School of Economics and Management,Yancheng Institute of Technology,Yancheng 224051,China)

机构地区：[1]盐城工学院经济管理学院,江苏盐城224051

出　　处：《物流工程与管理》2024年第10期30-32,39,共4页Logistics Engineering and Management

基　　金：2024年盐城市社科基金项目“盐城市农产品物流金融模式创新研究”(项目编号:24skA91);2024年盐城市社科基金项目“盐城市特色农产品直播带货发展研究”(项目编号:24skA89)。

摘　　要：经过四十多年改革开放,中国经济飞速发展,市场对高端农产品的需求日益旺盛。随之,农民收入逐渐增长,以致其追加农业投资、扩大高端农产品生产的动力越来越大。以往农民融资往往是寻求当地农村信用社贷款,融资渠道窄、规模小。近年来,受到宏观经济大环境的影响,中国经济增速放缓,高端农产品价格波动幅度大,农民生产投资经营风险变大,农产品经销商经营风险也增大,依靠从信用社贷款融资遇到困难,在此背景下,推动供应链金融为农产品产销提供融资是一个可行的方向。这类融资业务首要考虑的问题是融资的信用风险,因此,文中着重分析了供应链金融为农产品产销经营融资面临的信用风险问题,并提出合理的解决方案和政策建议,以期推动供应链金融与农业产销结合,为农业服务。After more than 40 years of reform and opening up,China's economy has developed rapidly,and the market demand for high-end agricultural products is increasing.As a result,farmers'income has gradually increased,and their motivation to invest in agriculture and expand the production of high-end agricultural products has become stronger.In the past,farmers often sought loans from local rural credit cooperatives;the financing channels were narrow and the scale was small.In recent years,affected by the overall macroeconomic environment,the economic growth rate of China has slowed down,the price fluctuation range of high-end agricultural products has increased,and the production investment and operating risks of farmers have increased.The operating risks of agricultural product distributors have also increased.It is difficult to rely on loans from rural credit cooperatives for financing under these circumstances.Under this background,promoting supply chain finance to provide financing for agricultural production and sales is a feasible direction.The first issue to be considered in such financing is credit risk.This paper focuses on the credit risk problems faced by supply chain finance in financing agricultural production and sales operations,and proposes reasonable solutions and policy recommendations for promoting the combination of supply chain finance and agricultural production and sales,and serving for agriculture.

关 键 词：农产品融资 供应链金融 信用风险 

分 类 号：F274[经济管理—企业管理]