[1]许晓阳.农村合作金融机构供给侧改革研究——以亳州药都农村商业银行中药材产业链金融为例[J].金融教育研究,2017,(05):43-50.
 XU Xiaoyang.Research of Supply-side Reform in Rural Cooperative Financial Institutions——Take Chinese Medicine Industrial Chain Finance in GL Bozhou’s Rural Commercial Bank as an Example[J].,2017,(05):43-50.
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农村合作金融机构供给侧改革研究——以亳州药都农村商业银行中药材产业链金融为例()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2017年05期
页码:
43-50
栏目:
出版日期:
2017-11-01

文章信息/Info

Title:
Research of Supply-side Reform in Rural Cooperative Financial Institutions——Take Chinese Medicine Industrial Chain Finance in GL Bozhou’s Rural Commercial Bank as an Example
作者:
许晓阳
中信银行总行,北京 100018
Author(s):
XU Xiaoyang
The Head Office of China CITIC Bank,Beijing 100018,China
关键词:
农村金融 农村合作金融机构 产业链金融
Keywords:
rural finance rural cooperative financial institutions industry chain finance
分类号:
F830
文献标志码:
A
摘要:
农业的主要特征是风险高、收益低和成本高,具有明显周期性; 金融资本希望获得风险低、利润高的投资,二者似乎具有天然的矛盾。为了解决上述矛盾,需要通过金融服务创新途径,促使金融机构的资金资源能够高效、可持续向农业提供。在农业产业化快速发展的背景下,将区域性有特色的农业产业链整合起来,实际分散的借款人相互制约与合作,降低信贷风险,增强金融机构的“支农”动力,提高经营业绩。对亳州市特色产业中药材市场的调研,结合当地农村合作金融主体机构药都农商行作为金融创新载体,引入产业链金融理念,针对当地药材市场的产业发展阶段和
Abstract:
The main characteristics of agriculture are high risk,low profits and high cost,have obvious periodicity; financial capital wants to be invested with low risk and high profits; so there seems to be a natural contradiction between the two.Through the innovation of financial service,we can encourage financial institutions to efficiently and sustainably provide funding for agriculture to ease the contradiction above.In the context of rapid development of agricultural industrialization,we should integrate the regional characteristic agricultural industry chain; the dispersed borrowers should restrict and cooperate with each other so as to reduce credit risk,then we can strengthen the support of financial institutions and improve their operating performance.By doing the research of the Bozhou characteristic industry--Chinese herbal medicine market,combined with the local rural cooperative finance main body-GL Rural Bank as the financial innovation carrier,this paper introduced the concept of industry chain finance; based on the industrial development state and characteristics of local Chinese medicine market,it designed practical finance service model and series of finance products.Through the design and exploration of case solutions,take agricultural industry chain finance as a breakthrough,this paper provide an innovative practice and reference method for rural cooperative financial institutions to better serve the agriculture.

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备注/Memo

备注/Memo:
收稿日期:2017-07-20作者简介:许晓阳(1987-),男,安徽亳州人,硕士研究生,就职于中信银行总行,研究方向为金融与经济发展。
更新日期/Last Update: 1900-01-01