Research On The Financing Model And Income Distribution Of Internet Plus Agricultural Value Chain

The development of "agriculture,countryside,farmers and farmers" is inseparable from the support of a large amount of funds.The acceleration of agricultural modernization has made the financing problem more prominent.Therefore,to explore a more suitable financing model for rural financial development has become an inevitable choice for the development of modern agriculture and the solution of financing difficulties.The practice of agricultural value chain financing model proved to be an effective way to solve the rural financing difficulties,and has also become the focus of the study of "three rural areas" in recent years."Internet plus agricultural value chain" financial services is accompanied by electronic commerce,logistics,finance and other financial industry chain development evolved.Through the commercial credit,the value chain participant can realize the commodity transaction,and solve the commodity sale and the production demand satisfaction,and through bank credit,online financial support can be obtained to solve the problem of capital demand.However,in the distribution of financing income,the traditional income distribution strategy has been difficult to adapt to the rapid innovation and development of the electricity supplier value chain financing.The mechanism of mutual benefit and mutual restraint has not yet been established,and the inequality between risk taking and income distribution is bound to affect the initiative of the participants in the value chain.Therefore,it is necessary to study the income distribution and implement more reasonable income distribution scheme in order to ensure the sustainability of agricultural value chain financing services.The theoretical part of this paper explores the evolution of Internet plus agricultural value chain financing,leads to the present "Internet plus agricultural value chain financing model innovation--" agricultural value chain + rural service providers "and" financing mode of agricultural value chain + electricity supplier platform financing mode and financing mechanism of both and risk control to do a comparison and summary.Select the "DaBeiNong rich agricultural loan and financial Jingdong" Beijing Agricultural Credit "of the two representative cases,to further study on this paper focuses on two kinds of innovative model of agricultural value chain financing.The empirical part of this paper investigates the financing income distribution of” agricultural value chain + rural service provider”,points out its shortcomings,so it is necessary to bring the risks and benefits of " Internet plus agricultural value chain financing research.By constructing the Shapley value model,Risks and benefits of Internet plus agricultural value chain financing is studied.Draw the following conclusions: first,"The development of Internet plus agricultural value chain financing path of evolution can be regarded as the process between enterprise financing interest earned channel mode and spread mode switch to each other.Secondly,confirmed in the " Internet plus agricultural value chain financing mode,the participation of the main income increased,and the total revenue is higher than them in accordance with the traditional mode of separate operation or 22 simple cooperation benefits.Thirdly,the current income distribution is not entirely fair and reasonable.Therefore,according to the principle of risk and return,we have made an appropriate adjustment to the current profit distribution plan,and put forward the optimal profit distribution plan of the value chain under this financing mode.In view of the existence problems of” Internet plus agricultural value chain financing”,we put forward the corresponding recommendations to optimize according to the above research conclusion.