Research On Financing Of Agricultural And Sideline Products Based On Cold Chain From Logistics Finance

The cold chain logistics of agricultural and sideline products has strong seasonal.It means that many links such as sorting,processing,packaging,transportation,warehousing and retailing of agricultural products,which must be in the low temperature to control the quality and loss of meat and vegetables and other products in process of logistics.Because of its particularity,it derives many pain points of industries,such as quality,ownership,custody,temperature control,acceptance and disposal.It directly affects the design of financial products with agricultural and sideline products as the subject matter and the risk assessment of agricultural and sideline products by financial institutions.However,the maturity of the Internet of things and Internet technology has provided convenient information tools for solving those pain points.On the one hand,the agricultural and sideline enterprises improve the cold chain logistics level by the Internet of things technology,and gradually realize the whole chain cold chain of agricultural and sideline products harvesting,sorting,transportation,processing,packing,storage and selling.At the same time,laying the foundation for the standardization of the agricultural and sideline products by cold chain logistics,and gradually reduced and eliminated the concerns of the financial institutions on the quality of agricultural and sideline products and the ability to cash.On the other hand,the agricultural and sideline enterprises improve the informational level of the cold chain logistics of agricultural and sideline products by Internet technology,and gradually reduce and eliminate the information asymmetry between the financial institutions and enterprises in the traditional mode of operation,such as the ownership,quantity and quality tracing of agricultural and sideline products,and create conditions for the finance of agricultural and sideline products.Therefore,on the basis of the research on the Financing of Agricultural and Sideline Products in the industrial and theoretical circles,this thesis will sort out the key factors that restrict the financing problems of agricultural and sideline products from the status of agricultural and sideline products and the current situation of cold chain logistics,namely,standardization,informatization and risk management system.Among the rest,The informatization is the foundation and the tool;the standardization is the path,it is the prerequisite to realize the financialization of the agricultural and sideline products,and it is the only way to guide the enterprise to establish the risk management system.Among the rest,informatization is the foundation and tool.Standardization is the path,the precondition for the realization of the finance of agricultural and sideline products,and the only way to guide enterprises to establish a risk management system.The risk management system is the result,a balancer for the sustainable development of enterprises,and a support for the financing of agricultural and sideline products.Based on those key factors,the AHP model(Analytic Hierarchy Process)is used as a tool to evaluate the relationship between the specific indexes of these key factors and the standardization of agricultural and sideline products,informatization and risk management system.Accordingly,Importance ranking of key factors of agricultural and sideline products in cold chain logistics are obtained.It should provide a valuable reference for financial institutions to conduct due diligence and examination of agricultural and sideline products financing business.And it can also make agricultural and sideline products enterprises in the transformation process of “Internet +”,the business mode and management mode transformation more in line with the requirements of standardization and finance.