Research On Innovative Of Farmer's Financing Mode From The Perspective Of Supply Chain Finance

Due to the lack of collaterals and information asymmetry,Chinese farmers face financing difficulties for a long time.However,the innovation of China's rural household financing model lags behind the changes of the financing needs of rural households.Nowadays,the innovation of rural household financing model has become one of the most important topics in rural financial development in China.Under the background of agricultural industrialization,the development of the agricultural supply chain provides new ideas for rural financial innovation.With the development of agricultural supply chains more and more farmers join in the agricultural supply chain.The government and scholars all propose that we should actively develop supply chain finance in rural areas.Therefore,how to innovate the financing model of farmer households based on the perspective of agricultural supply chain finance has very important practical significance and forward-looking significance.And this is also the scientific problem that this article tries to study.The main research contents of this article include: First,it analyzes the related theories of the financing model innovation of rural households and supply chain finance.Secondly,based on theoretical analysis,combines field survey data and macro data,it analyzes the overall status of China's rural household financing model and the status quo of farmers' financing model innovation,and it focused on the analysis of China's current traditional farmers' financing model and innovative farmers' financing model and their problems.Third,using the data from sample villages and farmers,this article analysis farmers' financing status,village supply chain development status and the status of farmers' integration into agricultural supply chain in sample areas.By setting up a Two-level Binominal Model,this paper enquires the influencing mechanism of agri-supply chain development and the joining of farmers to the agricultural supply chain on rural households' credit demand from the agricultural supply chain level and farmers level.Combining the development of agricultural supply chain finance of other regions,this article also analysis the impact of agricultural supply chain development on farmers' choice of financing models and the innovation of farmers' financing models.Fourth,based on the current shortages of traditional farmers' financing models and innovative farmers' financing models,this chapter proposes innovations in the financing model for rural households from the perspective of supply chain finance.And it also proposes policy suggestions for the innovation of farmers' financing model of China's and the application of supply chain finance in the innovation of farmers' financing model.By setting up a Two-level Binominal Model,this paper enquires the influencing mechanism of agri-supply chain development and the joining of farmers to the agricultural supply chain on rural households' credit demand from the agricultural supply chain level and farmers level.The results show that the development of agricultural supply chain has had a significant impact on the financing needs of farmers,in details,the financing needs of farmers of villages with better supply chain development are higher than the financing needs of farmers of villages with backward supply chain development,and the financing needs of farmers integrated into the agricultural supply chain are higher than the financing needs of farmers who hasn't integrated into the agricultural supply chain.Besides,this paper also pointes out that the development of the agricultural supply chain can encourage farmers to choose the financing mode from formal financial channels,and it also brings new opportunities for the innovative farmers' financing model.Finally,this paper innovatively presents 4 financing mode from the perspective of supply chain finance,they are " Agricultural Materials Leading Enterprises + Farmers" model,"Core Agricultural Product Storage Enterprise + Farmer"," Agricultural Products Processing Leading Enterprises + Farmers " and " Agricultural Enterprises + Cooperative + Farmers" model.Then this paper provides policy recommendations based on the analysis of the advantages and possible problems of these four modes,it points out that China should actively encourage the innovation of financing model for farmers,and promote the application of supply chain finance in the innovation of farmers' financing mode.