Fujian Province Tea Industry Industrial Production Financing System Empirical Study

Fujian tea industry is not only important pillar industry, is related to the 1/10 the population's livelihood industries. Fujian has a long history of tea tea, sophisticated technology, superior quality. Fujian tea quality, Tie Guan Yin, Da Hong Pao Wuyi Rock Tea, and so the world-famous, not only sought after by people, but also exported to overseas. Tea market has a promising future, but the tea companies are also facing many problems, small scale, production technology is weak, the low quality of employees, management backward, gradually increase as the export threshold, hampered the further development of enterprises. Now a breakthrough development pattern, improve the management of tea companies to improve the operating efficiency of tea, tea companies enhance resistance to natural factors can not be against the ability to integrate into the funds needed to update business equipment, the introduction of management personnel, the development tea technology. Break through the bottleneck of corporate finance is the key enterprises in this stage break. The weak tea of an agricultural enterprise, the absence of adequate credit collateral, tea companies often can not get enough credit funds.Through access to relevant literature to identify constraints in theory corporate credit facility of Fujian tea factor, then the tea business survey in Fujian Province, the data are collated, the use of factor analysis, concentration of Fujian tea business credit financing constraints constraints factor is 8, the last use of multiple linear regression analysis, the introduction of constraints will be concentrated multiple linear regression model, and finally come to restrict credit facility of Fujian tea business constraints for the quality of business owners, corporate purpose and way of credit facilities, enterprise asset utilization, business employees and registered capital, business establishment.The main conclusions obtained in this paper are:tea, Chinese tea production such as Fujian province in the eight indicators have been for many years in the nation. Fujian tea in the tea industry in China has a pivotal role. Fujian tea while enterprises are facing more tea in the tea market in coexistence and common prosperity, the rise of the tea producing areas gradually, tea companies to accelerate the pace of expansion problem. Tea companies in the operation process and the existence of "tea culture" misreading, misunderstanding of tea quality and homogeneity, awareness of the errors, the error on the marketing strategy, business operation and management of the errors and other problems. Fujian tea business credit financing constraints embodied in the asset structure, profitability, market performance, credit history, bank-enterprise relations, business owners related to personal qualities and characteristics of six. The empirical analysis can be drawn credit facility of Fujian tea enterprises mainly the following constraints. Business loans subject to business owners, corporate credit facilities so much as it is business owners credit facilities; firm size discrimination; Company Type discrimination; not sound credit rating system was established; Enterprise Founded credit funds of the enterprises to apply for the role of attention. After further multiple linear regression analysis:the core of entrepreneurship is the small and medium enterprises; finance companies use the loans to be very clear understanding of needs; asset utilization efficiency of financial institutions, companies judge the efficiency of important aspects of the business; business registered capital and number of employees of enterprises concerned by the financial institution; banks and other financial institutions, lending companies for the establishment of time paying attention. Finally, four aspects of tea industry in Fujian Construction financing system:a financial support fund; two tax breaks; three main credit facilities with financial institutions to support the majority of SMEs; four tea companies contribute to public financing.This paper studies the constraints established on the basis of the survey, due to the deviation of the questionnaire survey reported, making the results of our analysis is also biased. Some SMEs accounting information system is imperfect, the book reflects the reality of the balance sheet and the discrepancy. This is further empirical research should be taken seriously.