基于互联网金融的农业中小企业的融资问题研究

 

摘要

农业中小企业是我国农业经济发展的主要推动力，是新农村建设的重要力量，然而目前农业中小企业的发展却不是很顺畅，其资产规模小、管理理念落后、战略缺乏长远性、制度不够健全，这些都制约了市场融资的进行。随着互联网金融的不断发展，特别是移动支付、云计算及搜索引擎的异军突起,金融业的面貌也发生了巨大变化。互联网金融是新型金融模式，其产品依托于互联网，因而其成本低，传播快，为农业中小企业提供了多样化的融资途径。因而越来越多的中小企业选择通过互联网金融的模式进行融资。

本文从分析农业中小企业融资现状及成因入手，分析互联网金融的发展对解决其融资困境存在的优势与劣势，并对如何推动农业中小企业抓住互联网金融发展时机解决融资问题提出建议。

关键词：农业中小企业；互联网；融资

目录

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

农业中小企业融资现状·····························5

银行贷款难··································5

民间借贷成本高······························6

资本市场融资不畅····························6

农业中小企业融资困难成因·························7

企业自身因素································7

外部环境因素································8

互联网金融为农业中小企业服务的优势与不足·········8

互联网在农业中小企业中的优势················8

互联网在农业中小企业中的不足················10

破解农业中小企业融资问题的对策···················12

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

金融监管机构方面····························14

互联网金融企业方面··························15

农业中小企业方面····························16

总结·············································17

参考文献·········································18