Small And Medium-sized Agricultural Enterprises Financing Difficulties And Pattern

At present in China, the research of small and medium-sized agricultural enterprises financing focus on developing finance support framwork,accelerating the construction of credit guaranty system,establishing banking institution to the need of small and medium enterprises, it may take a long time to solve the problem of small and medium-sized agricultural enterprises financing by these ways. Therefore, the more feasible way to resolve theproblem is for the commercial banks to develop the new financial products and financing project in order to meet the special needs of small and medium agricultural enterprises financing, and therefore reslove theproblem in small and medium agricultural enterprises financing.This article from the analysis of small and medium-sized agricultural enterprises financing difficulties start with the status quo and its causes, it pointed out that asymmetric information is the plight of small and medium-sized agricultural enterprises. Therefore, how to effectively mitigate the information asymmetry will become the solution of our difficulties in financing for small and medium-sized agricultural enterprises key to the problem. The article points out that to solve this problem the basic idea is the use of commercial banks from Finance of Supply Chain services. In the credit markets by finding a number of participants or stakeholders, to establish a special mechanism to share the financing of small and medium-sized agricultural enterprises' risk. The model is a commercial bank through the use of agricultural enterprises and small and medium-sized industrial enterprises and cooperative relations between the credit, or business contract between the secured and at the same time rely on third-party logistics enterprises to small and medium-sized agricultural enterprises shared the risk of a loan financing model. Papers focus on presentation of "Finance Of Supply Chain" , include of the basic meaning of the advantages, the basic mode of operation and to solve the problem of Small and medium-sized agricultural enterprises financing advantages and limitations. It pointed out that financing for small and medium-sized agricultural enterprises demand characteristics, the development of the Finance Of Supply Chain" services will help ease the information asymmetry, and inadequate security, which may be a new solution of China' s small and medium-sized agricultural enterprises' financing. Finally, the article made an empirical analysis on financing models and credit limit of core enterprise and other enterprise in Finance of Supply Chain business line of credit financing models and empirical analysis.Base on the theoretical research and empirical studies on the case, at last the paper make the conclusionthat that the "Finance of Supply Chain" will be a feasible to resolve the difficulty in small and medium-sized agricultural enterprises financing in China.