Research On Bank Credit Financing Model And Benefit Distribution Based On The Agricultural Value Chain

Agricultural small and medium-sized enterprises in the development process of China's rural economy occupies a very important position,it is advantageous to disperse economic risk and optimize the allocation of resources in rural areas.But from the current perspective of the development of agriculture,small and medium-sized enterprises and farmers are still facing severe financing difficulties,financing expensive and high threshold of financing difficulties that has seriously hindered the economy of rural area of our country,the development of finance,which restricts the overall development of China's economy and the realization of agricultural modernization in a certain extent.The bank and the agricultural small and medium-sized enterprises as the money supply and demand side,both sides have their own needs.From the point of view of enterprise,the normal operation of agriculture related small and medium enterprises cannot do without financial support,procurement,production and sale of all aspects of capital supply situation,but in a "loan the door" dilemma;from the perspective of the government,agricultural small and medium-sized enterprises has a very important role in promoting the economic development of rural areas,the steady development of agriculture related SMEs will directly stimulate local economic development and farmers,so the government is willing to support agriculture related small and medium enterprises,and actively encourage and guide the banks and other financial institutions to Provide credit support to agriculture related businesses and farmers;but from the bank's point of view,although there is a large market in rural areas,in the actual operation process but there is a big risk.This has resulted in "corporate money not loans,banks unwilling to lend money" situation.How to improving the financing mechanism of bank financing problems to solve the agricultural innovation of small and medium-sized enterprises and farmers? How to effectively reduce the actual operation of the existence of credit risk? How to meet the interests of both the supply and demand of funds demand? This has become a problem to be solved.From the existing financing mode,financing for short-term effect,is not sustainable,unable to meet the agriculture Enterprises and farmers' demand for funds in the long term.This paper is based on the actual needs of both supply and demand,the innovation and development of the Agricultural Bank credit financing model based on the value chain,as a new financing mode of the bank credit model,starting from the whole agricultural value chain,depending on the leading enterprise,considering the credit status of leading enterprises the value chain,supporting the upstream and downstream enterprise's credit status and value chainoperations,and joined the third party guarantee in financing mode.Through innovative financing mechanism,the bank can effectively control risk,achieve the interests of both supply and demand is rising.This paper is based on the agricultural value chain,the concept of credit financing and defines the relevant theoretical basis for analysis,research for the mode of the Agricultural Bank credit financing of small and medium enterprises and farmers.According to the needs of the development of the subject and the guarantee mechanism of risk system of agricultural value chain in the financing,credit financing mode will be subdivided into specific banks the financing of accounts receivable,prepayments financing and inventory financing three basic financing model,and then the various financing mode and financing mechanism and risk control are analyzed,and combined with the actual case to confirm the agricultural value chain financing mode is more conducive to risk control of banks and agricultural small and medium-sized enterprises.In the part of empirical analysis,the distribution of interests firstly by comparing game model to analyze the traditional mode of financing and agricultural value chain financing mode,confirmed that the bank credit financing model of agricultural value chain can effectively control the credit risk of banks based on agriculture is more conducive to small and medium enterprises to obtain loans financing;secondly,using the modified Shapley value model confirmed agricultural value chain financing can bring a more fair for all participants,a reasonable distribution of benefits;finally,through specific data analysis further confirmed that the agricultural value chain financing for all participants to bring higher benefits than traditional financing,is to accelerate the realization of agricultural modernization Important ways and means.According to the research conclusion,put forward the corresponding policy recommendations,to create a favorable policy environment for the development of agriculture and the value chain of enterprise credit financing,in order to provide certain reference significance to formulate relevant policies to effectively control the credit risk of bank financing and government.