Research On The Innovation Of Financing Model Of "Agricultural Value Chain+Ecommerce Platform"

The development of the three rural areas is inseparable from the support of a large amount of funds,and the acceleration of the agricultural modernization process has made the funding problem more prominent.Effectively solving the financing difficulties faced in the process of rural economic development has become the focus of the government.In the process of agricultural development,policy and commercial banks have more or less the essence of rural finance.Therefore,exploring the financing model more suitable for rural financial development has become an inevitable choice for developing modern agriculture and solving financing difficulties.“Agricultural Value Chain + Internet Finance” is an Internet financial business innovation based on the agricultural value chain.It can effectively link farmers,financial institutions,rural local intermediaries,core enterprises and government agencies,and establish a “risk sharing and benefit”.The concept of “sharing” truly promotes the development of agricultural economy and effectively links the participants in the value chain finance with the market,especially to alleviate the financing dilemma of the disadvantaged farmers due to lack of mortgage guarantee.Based on the perspective of farmers,this paper defines the core concept of “agricultural value chain finance” as the research entry point,and defines its core concept as between the members of the agricultural value chain,the financial institutions outside the value chain or other subjects and internal members.Generated financing activities.Based on the information asymmetry theory,contract theory and transaction cost theory introduced in the third chapter,this paper analyzes the characteristics of financial financing model of agricultural value chain.The fourth chapter starts from the dilemma of traditional agricultural value chain financing model,and draws the fifth chapter "Agriculture The financing model of value chain + ecommerce platform,with the help of Jingnong loan to explain the construction of the financing model of “agricultural value chain + e-commerce platform”,analyzes the “agricultural value chain + electricity” from three aspects: operation mechanism,benefit mechanism and risk control.The innovation of the financing platform of the "business platform",and then the value of the financing mode of "agricultural value chain + e-commerce platform",summed up the information closed-loop solution to financing information asymmetry and financing risk,re-engineering credit process to improve credit efficiency,automation Business processes reduce the cost of credit,product service to improve financing efficiency,consumer service to promote value appreciation and sharing,and compare and analyze the "agricultural value chain + ecommerce platform" and traditional agricultural value chain.Finally,the seventh chapter is the research conclusions and policy recommendations.On the basis of summarizing the full text,the author tries to put forward corresponding policy recommendations to optimize the financing model of agricultural value chain.The conclusion of this paper is that agricultural value chain financing as a new type of agricultural financing,through the combination of internal financing and external financing,and with its unique operating mechanism,aleviates the information asymmetry of credit parties,reduces credit risk and transactions.The cost has effectively solved the problem of farmers' financing difficulties.However,there are still many problems in the application and development of agricultural value chain financing.There are many subjects involved in agricultural value chain financing.The problems in the financing process are not solved by one party,but need the parties.Collaborate with each other to solve various problems.