生猪供应链金融发展中的问题及对策研究.pdfVIP

摘要 本文立足生猪供应链，研究供应链金融发展中的问题并提出建议。论文首先 对生猪供应链的结构及特点进行分析。其次，从传统供应链金融的三类基本模式 入手，结合我国生猪供应链的情况，分析传统供应链金融模式所存在的不足。研 究发现，传统供应链金融模式下，存在着散养户需求无法满足、银行成本高以及 潜在多种违约风险的问题。接下来，以农信互联生猪供应链金融作为现今互联网 供应链金融的代表性案例，从服务范围、贷款效率、交易成本以及风险控制这几 个方面，分析农信互联模式较传统供应链金融模式的优势，并针对农信互联模式 存在的授信数据获取困难、技术不成熟以及保险产品覆盖范围有限等问题，提出 相应建议。最后，为推进生猪供应链金融更好地发展，本文分别从政府、供应链 金融提供方以及供应链上的中小企业这三个层面提出相应的建议。 关键词：生猪供应链；供应链金融；农信互联 1 Abstract Based on the live pigs supply chain, this paper studies the problems in the development of supply chain finance and puts forward some suggestions. Firstly, the structure and characteristics of live pigs supply chain are analyzed. Secondly, starting from the modes of traditional supply chain finance and combining with the situation of live pigs supply chain in China, the paper analyzes the deficiencies of traditional supply chain finance. It is found that the traditional supply chain finance exists problems such as unmet financing demand of small scale pig farmers, high cost of banks and potential default risks. Then ，the paper takes NXin Internet Company as the representative case of internet supply chain finance nowadays. Besides analyzing its advantages compared with the traditional supply chain finance from the scope of service, efficiency, transaction cost and loan risk control, the paper also points out the deficiencies of NXin supply chain finance. As for the problems such as difficult acquisition of credit data, immature technology and limited coverage of insurance products, the paper puts forward some corresponding suggestions. Finally, in order to promote the better development of live pigs supply chain finance, this paper puts forward suggestions from the following three aspects: the g