Huangshan Tea Industry Value Chain Financing Research

Tea is not only an important economic crop in our country, and in improving the position of agriculture as the foundation of the economy and regulating the ecological balance has very big effect. Huangshan city is the hometown of the famous tea, tea has a long history, many famous brand, there are more than half of the population engaged in tea production and processing business, Huangshan city development of tea industry has a comparative advantage. Over the years, under the support of governments at all levels of Huangshan city tea industry rapid development, formed a production and processing of tea as the leading, development to improve product added value for secondary, to promote tea culture, tea tourism development pattern of characteristic industry. At the same time, the development of tea industry needs financial sustained investment and service innovation, however, the consideration of agricultural production make credit rationing contradictions increasingly deepening, the traditional financing model has not adapted to the demands of the development of tea industry. Agricultural value chain financing as a kind of innovative financial system arrangement of the introduction of tea industry, not only can reduce the transaction costs, but also can effectively overcome the information asymmetry between the participation subject, improve financing ability between members, promote value-added of the whole industry.Support industry development should be the financial first, financing pilot parts in Huangshan city of tea industry value chain to a certain extent, ease the contradiction, credit rationing to push deeper promoted the industrial chain, but the financing patterns of innovation application level is not high, there is a chain of inside financing activity than the chain outside financing present situation of unbalanced in Huangshan city fully implementing innovative financing is still difficult. Investigate its deep root, more institutional problems unresolved. If you want to change the value chain, the status of financing for disadvantaged groups, it is necessary to set up a value chain financing risk prevention and control system, break the restriction of financing risk bottlenecks, and formal finance and informal finance increases the confidence of the money supply main body. Give play to the role of government guidance, the monitoring systems to capture information flow within the value chain, better let the flow of information through the use of big data, bank decision-making service for the government. At the same time to complement and perfect the financing products and credit service, strengthen the cooperation with Internet financial, tea from the top-level design layout associated with culture and tourism of leading role, the complementary between industry financing function, promote the benign interaction of financial and the real economy.In this paper, we study the financing research into innovation lies in the value chain of tea industry, in agriculture, on the basis of value chain financing, explore the operation of the tea industry value chain financing mechanism and risk management theory, through empirical analysis approach of Huangshan city medium and small tea enterprise value chain external financing factors, it is concluded that enterprise credit rating, appetite for risk factors such as type, degree of paper used, loans to small and medium-sized tea companies satisfaction has a significant effect. Finally through the Pine valley tea industry Co. Limited, the internal and external financing case analysis of tea industry value chain of the financing mechanism, comparing the pros and cons of all parties involved in value chain financing situation, summarize the experience of the cases in the control value chain financing risk, further from the application layer on the surface show the feasibility of the parties involved in the value chain of tea industry financing.