A Study On The Agricultural Supply Chain Finance Formation Mechanism In China

Agriculture is the foundation of the national economy, the development of agriculture cannot leave the financial support. But at present, agricultural credit lack of collateral or collective land, houses cannot mortgage registration, so can not meet the requirement of the bank collateral, at the same time, due to the high agricultural loan risk, information asymmetry, high cost, low income, lead to commercial Banks are not willing to lending for agriculture, the peasant household loan difficult problem has become a bottleneck restricting the development of rural economy. Agricultural supply chain finance that the innovation of agricultural service products can effectively relieve farmers financing difficult problem, providing a new thought for the rural credit. The biggest difference between the supply chain financial products and other products is out of the separate investigation of farmers, but based on the perspective of agricultural supply chain as a whole to determine whether lending.This article first from the concept analysis of the meaning of agricultural supply chain finance and its advantages, but also to the agricultural supply chain financial mechanism to explain, Then expatiates on the relevant theories of supply chain finance to agriculture, especially from the self-liquidating trade theory to reduce the risk of bank loans. Secondly introduces the current situation of the development of agricultural supply chain finance, Respectively from longjiang bank, agricultural bank, and guide the agricultural financial institutions of the central bank of three aspects to introduce, we can be seen from their achievements of popularizing agricultural supply chain finance is worth, and then to introduce the agricultural supply chain financial premise condition, the forming reason of forming mechanism and forming environment. Then use game model for Banks and farmers in the traditional mode and the mode of supply chain profit is analyzed, results show that under the constraint of conditional bank and farmers can achieve optimal strategy combination, the use of the game is mainly to analyze the financial main body of agricultural supply chain, find out the problems. Finally based on formation mechanism of agricultural supply chain finance exist the following problems:low level of agricultural industrialization and agricultural risk guarantee mechanism absence, the core enterprise and farmers interests allocation is not reasonable, farmers default penalties, the rural credit system is not sound enough, insufficient support from the government, summed up the countermeasure suggestions to perfect the formation mechanism of agricultural supply chain finance, enhance the level of agricultural industrialization development, improve the agricultural supply chain within finance main body construction, strengthen the participation main body the interests of the guarantee, the external environment optimization of agricultural supply chain finance.In this article, through the empirical analysis and normative analysis and game analysis method to study the forming mechanism of agricultural supply chain finance, and finally puts forward the countermeasures and Suggestions, make it have strong replication, can vigorously promoted throughout the country, to meet the urgent demand of modern agriculture industrialization of funds, accelerate the healthy and rapid development of agricultural economy.