資源描述：
《農(nóng)業(yè)產(chǎn)業(yè)化龍頭企業(yè)價值鏈融資擔(dān)保機制研究》由會員上傳分享，免費在線閱讀，更多相關(guān)內(nèi)容在學(xué)術(shù)論文-天天文庫。
1、農(nóng)業(yè)產(chǎn)業(yè)化龍頭企業(yè)價值鏈融資擔(dān)保機制研究駱竹梅浙江廣廈建設(shè)職業(yè)技術(shù)學(xué)院摘要：我國傳統(tǒng)的經(jīng)濟結(jié)構(gòu)讓農(nóng)業(yè)融資產(chǎn)生困難，為了讓農(nóng)業(yè)產(chǎn)業(yè)化企業(yè)獲得信貸，各大金融機構(gòu)向農(nóng)業(yè)產(chǎn)業(yè)化龍尖企業(yè)提供了足夠的擔(dān)保。擔(dān)保制度的不完善，成為制約現(xiàn)代農(nóng)村經(jīng)濟發(fā)展的重耍條件，農(nóng)業(yè)生產(chǎn)企業(yè)的經(jīng)濟發(fā)展由于缺乏有效的擔(dān)保資產(chǎn)，提高了貸款發(fā)生風(fēng)險的系數(shù)。這就出現(xiàn)了農(nóng)業(yè)生產(chǎn)企業(yè)“難貸款”、農(nóng)民“貸款難”的被動局面。近年來，我國一些政府職能部門針對農(nóng)業(yè)經(jīng)濟的發(fā)展特色，設(shè)立了一些適合農(nóng)業(yè)生產(chǎn)企業(yè)發(fā)展的信貸擔(dān)保機構(gòu)，改善農(nóng)業(yè)生產(chǎn)企業(yè)和農(nóng)民信貸難的問題。而且對農(nóng)村信貸擔(dān)保機制創(chuàng)新問題進(jìn)行了有效的研宄，這些研宄促進(jìn)了我國擔(dān)
2、保創(chuàng)新機制的發(fā)展，對解決融資擔(dān)保難問題具有現(xiàn)實意義，促使一些金融單位更好地為農(nóng)業(yè)產(chǎn)業(yè)化企業(yè)服務(wù)。關(guān)鍵詞：農(nóng)業(yè)產(chǎn)業(yè);融資;擔(dān)保;龍頭企業(yè);作者簡介：駱竹梅（1969—），女，浙江義烏人，副教授，主要從事財務(wù)管理研究。收稿日期：2017-08-22ResearchonValueChainFinancingGuaranteeMechanismforLeadingEnterprisesinAgriculturalIndustrializationLuoZhumeiZhejiangGuangshaCon^xu^XiojtJVo^lionalandTechnicalCollege;Abs
3、tract：Thetraditionaleconomicstructureofourcountrymakesagriculturalfinancingdifficult.Inordertoobtaincreditforenterprisesinagriculturalindustrialization，themajorfinancialinstitutionsprovideadequateguaranteeforleadingenterprisesinagriculturalindustrialization.However,theimperfectguaranteesyst
4、emhasbecomethemainfactorconstrainingthemodernruraleconomicdevelopment.Theeconomicdevelopmentofagriculturalproductionenterpriseswilltakehigherloanrisksduetolackofeffectivecollateralassets,whichgivesrisestoapassivesituationof“hardloans”foragriculturalproductionenterprisesand“difficultloans”fo
5、rfarmers.Inrecentyears,somefunctionalgovernmentdepartmentsinourcountry，targetingonthecharacteristicofagriculturaleconomydevelopment,setupsomecreditguaranteeinstitutionstosuitthedevelopmentofagriculturalproductionenterprises,whichresolvesfarmers’andagriculturalproductionenterprises'financing
6、difficulties.Someeffectiveresearchhasbeenmadeonmechanisminnovationforruralcreditguarantee.Alltheresearchhasrealisticsignificancetopromotingthedevelopmentofguaranteeinnovationmechanismandtosolvingthedifficultiesinfinancingguaranteesoastopromotesomefinanceunitstobetterserveenterprisesinagricu
7、lturalindustrialization.Keyword：agriculturalindustry;financing;guarantee;leadingenterprises;Received：2017-08-22目前，中國農(nóng)業(yè)產(chǎn)業(yè)化的融資，與農(nóng)業(yè)產(chǎn)業(yè)生產(chǎn)和農(nóng)村種植戶直接交易的金融機構(gòu)包括:農(nóng)村商業(yè)銀行和一些政策性銀行，必要時銀行之間要互相配合。農(nóng)業(yè)產(chǎn)業(yè)信貸擔(dān)保機制存在問題，是造成借貸困難最根本的原因。在這樣情況下，追求利益最大化的商業(yè)銀行，難以對農(nóng)業(yè)產(chǎn)業(yè)化經(jīng)營中的各個龍頭企業(yè)提供全面的金融服務(wù)
