| Since the 1990 s,the issue of "agriculture,countryside and farmers" has been the top priority of the Party and the state.Under the specific guidance of the No.1 Document on Agriculture,rural areas and Farmers issued by the CPC Central Committee,Sichuan Province has also put forward a "10+3" agricultural system with characteristics,green and large-scale agriculture as the theme.Because of large-scale agricultural production and the development of agricultural industry chain is still immature,especially for rural areas of Sichuan hill areas,agriculture occupies a large proportion but more small farmers,scattered distribution,agricultural risk is high,and scale is difficult to expand.Therefore,it is more urgent to establish a stable supply chain of characteristic industries according to local conditions,so as to strengthen the anti-risk ability of farmers and new business entities and drive the development and income of regional farmers in succession.The reform of agricultural industrialization has also brought about an increase in the demand for funds and financial services for major agricultural enterprises and agricultural management subjects.The financial products and services of agricultural supply chain are a special kind of financial products aimed at the supply chain of agricultural industry,which are related and targeted to the development of agricultural industry chain.The characteristics of multiple participants,closed-loop management and self-compensation of their funds all make this service have the characteristics of low risk and good stability.However,the development and study of agricultural supply chain finance in our country started relatively late,and is still at the exploration and pilot stage.Suining city is also actively developing the business of agricultural supply chain finance.Major financial institutions have introduced several supply chain financial products for different situations of agricultural industry chain.The main purpose of this paper is to analyze and study the current situation and problems of agricultural supply chain finance development in Suining City,Sichuan Province.Firstly,this paper collates and reviews the literature related to agricultural supply chain finance,and sorts out the theoretical basis and mechanism related to agricultural supply chain,so as to provide theoretical basis for the subsequent case studies in this paper.Secondly,the development basis and conditions of agricultural supply chain finance in Suining are expounded through the analysis of the development status of agricultural industry chain,the current situation of agricultural financing,the analysis of the problems existing in the current agricultural financing,the brief analysis of the current situation of farmers’ operation and financing intentions and the analysis of policy environment.Thirdly,this paper makes a case study of three supply chain financial products carried out by Agricultural Bank in cooperation with leading core enterprises in Suining,and makes elaboration and analysis in terms of carrying out mode,operation process,data processing and risk control,and makes a comparative analysis of the financial models in the three cases.The following conclusions were found through the content of the study: First,the establishment of a good information processing mechanism and risk prevention and control mechanism by means of multiple regulation,multiple guarantees,agricultural insurance and database information processing is the key to agricultural supply chain finance to solve information asymmetry and improve efficiency with lower transaction costs.Secondly,the development of agricultural supply chain finance helps to establish a good cooperative relationship between banks and enterprises,enhance the efficiency of bank loans,and has good benefits for solving the capital needs of farmers(business entities and driving the expansion of production and operation scale of farmers(business entities,increasing agricultural income and stabilizing the supply chain management of enterprises.At the same time,the case also reflects some problems in the development of agricultural industry and agricultural supply chain finance in Suining city,which need to make more optimization and efforts in product structure,data technical support and other aspects.Finally,this paper puts forward countermeasures and suggestions for the healthy development of agricultural supply chain finance in Suining City based on the problems reflected in the case. |
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