The Study Of Rural Supply Chain Finance Model And Relevant Risks

In recent years, the real economy of Chinese rural area has been developing rapidly,and the process of agricultural industrialization and large-scale development have alsomade remarkable achievements. In the symbiotic relationship between rural economy andrural finance, the slower development of the latter result in some problems as a short plank.Therefore, it is necessary for rural finance to tap new sources for its own development.However, many objective reasons prevent the financial organizations as commercial banksfrom developing with the small and medium-sized enterprises and peasants together: thebanks confront with difficulties of expanding the rural markets for lack of innovation, thesmall-and-medium-sized enterprises and peasants can not acquire credit financing becauseof their own problems. The rural supply chain finance, as a completely innovative financialmodel, provides a new way to solve the difficult situation. Binding the core enterprises andrelated upstream and down stream enterprises on the supply chain together, the banksperceive the chain from a comprehensive perspective, and then they use the credit power ofthe core enterprises and the practical trade as insurances, and finally provide flexiblefinancial products and services for the enterprises and peasants.Based on the supply chain finance, my thesis does research on the innovative ruralsupply chain finance, and discusses several kinds of financing models and risk controlproblems. Through the study of the development of rural supply chain financial productsand the relevant products and successful cases of the pioneer in this field-Longjiang Bank,this thesis makes further discussion of the problems and their reasons in the process of thedevelopment of Chinese rural supply chain finance, and puts forward some reasonablesuggestions, with the hope of contributing to the further studies of relevant theories.This thesis consists of six parts. The first part makes an introduction of the reason ofselecting the topic, the former studies of this topic, the research methods, and the maincontents of the thesis. The second part defines the definition and value of rural supplychain finance, and analyses several related theories. The third part analyses the threefinancing models of rural supply chain finance. The fourth part analyses the related risks of rural supply chain finance and the way to control and manage the risks. The fifth partanalyses the present situation of Chinese rural supply chain finance, and the relevantproducts of Longjiang Bank, and points out the problems and reasons of Chinese ruralsupply chain finance. The sixth part provides some suggestions concerning the problems inthe process of the development of Chinese rural supply chain finance.