基于互聯網金融的農業中小企業的融資問題研究

 

摘要

農業中小企業是我國農業經濟發展的主要推動力，是新農村建設的重要力量，然而目前農業中小企業的發展卻不是很順暢，其資產規模小、管理理念落后、戰略缺乏長遠性、制度不夠健全，這些都制約了市場融資的進行。隨著互聯網金融的不斷發展，特別是移動支付、云計算及搜索引擎的異軍突起,金融業的面貌也發生了巨大變化�；ヂ摼W金融是新型金融模式，其產品依托于互聯網，因而其成本低，傳播快，為農業中小企業提供了多樣化的融資途徑。因而越來越多的中小企業選擇通過互聯網金融的模式進行融資。

本文從分析農業中小企業融資現狀及成因入手，分析互聯網金融的發展對解決其融資困境存在的優勢與劣勢，并對如何推動農業中小企業抓住互聯網金融發展時機解決融資問題提出建議。

關鍵詞：農業中小企業；互聯網；融資

目錄

引言·············································3

農業中小企業融資現狀·····························5

銀行貸款難··································5

民間借貸成本高······························6

資本市場融資不暢····························6

農業中小企業融資困難成因·························7

企業自身因素································7

外部環境因素································8

互聯網金融為農業中小企業服務的優勢與不足·········8

互聯網在農業中小企業中的優勢················8

互聯網在農業中小企業中的不足················10

破解農業中小企業融資問題的對策···················12

政府方面····································13

金融監管機構方面····························14

互聯網金融企業方面··························15

農業中小企業方面····························16

總結·············································17

參考文獻·········································18