A Research On Agricultural Value Chain Financing In China Based On The Perspective Of Farmers

The agricultural development of our country faced with the condition of the lack of financial support for a long time, mainly for farmers who have the problem of financing difficulties. The backward rural finance cannot meet the farmers’ basic living and production demand for credit. The high transaction costs and the big risk is the key factor of the agricultural financing difficulties. In accordance with the problem of financing difficulties faced to the agricultural development, some scholars of our country’s draw lessons from foreign experience, and put forward the agricultural value chain financing that is a new way of agricultural financing.At first, this paper expounds the agricultural financing problems with high risk, high cost and low benefit, and the existing rural financial system of our country can’t solve these problems. Through introducing the background, which draw forth the research significance of this article, namely, through studying the new ideas of agricultural financing, agricultural value chain financing, for the effective use of value chain financing in our country to solve agricultural financing problem to provide theoretical guidance. The second chapter analyzes the basic theory of agricultural value chain financing, including the connotation, theoretical basis and its classification. The value chain financing can be divided into two forms:internal financing and external financing. The third chapter analyses the agricultural value chain external financing, including the mode and basic products of agricultural value chain financing, the advantages of agricultural value chain financing compared with the traditional financing, and the problems that exist in the development process of agricultural value chain financing.The fourth chapter introduces the agricultural value chain internal financing, including the main form of value chain financing, the factors of influencing the wishes of farmers to participate in the value chain financing and the problems of agricultural value chain financing. The Fifth chapter selects two typical cases of domestic and foreign agricultural value chain and analyses the concrete application of agricultural value chain financing. Finally, in view of all sorts of problems of agricultural value chain financing existing in the application and development, and drawing lessons from successful experience of typical cases at home and abroad, put forward countermeasures and suggestions for the development of our country’s agricultural value chain financing from the bank, leading enterprises, farmers and the government’s point of view.Agricultural value chain financing is a new way of agricultural financing, which eased the credit information asymmetry of both sides, reduced the credit risk and trading cost, and effectively solved the farmer’s financing problem through the combination of internal financing and external financing, and with its unique operation mechanism. However, there are still many problems to be solved in the process of application and development of agriculture value chain financing. The participants of agricultural value chain financing are so many that the problems existing in the financing process cannot be solved independently, and needs common efforts and mutual cooperation from the main body to solve the problems.