农业供应链金融的贷款定价与生产调节机制

传统农业供应链研究不考虑农户的资金约束,忽略通过供应链内部的资金配置渠道实现供应链整体的优化.本文基于农业供应链内部融资行为,构建了核心企业主导的农业供应链金融贷款服务定价模型,通过求解收购方和农户的最优化问题,提出了农业供应链金融的贷款服务定价规则和生产决策.数值分析表明:农业供应链金融鼓励农户扩大高价值农产品的生产规模,有助于引导农产品种类结构的调整;农业供应链金融不仅缓解了农户生产资金的约束,有助于提高农产品生产规模,还对农户和收购方之间的利润分成进行调节.此外,无论参数如何变化,农业供应链金融总是同时提高了农户、收购方和供应链整体利润水平,并且接近供应链协调的最优水平,是一种有效服务于农产品供销的农村金融创新.本文为相关企业开展农业供应链金融服务提供了理论依据.

Loan pricing and production adjustment mechanism in agricultural supply chain finance

The existing agricultural supply chain literature does not consider the financial constraint of farmers such that it fails to explain the improvement in the whole supply chain efficiency through the funds allocation channel within the supply chain. Based on the agricultural supply chain financing behavior, this paper characterizes the core enterprise leading agricultural supply chain finance model. By solving optimization problems for the purchaser and the farmer, we present the agricultural supply chain finance loan pricing and production decisions. Numerical results show that the agricultural supply chain finance encourages the farmer to expand the scale of high value agricultural production, which helps to adjust the agricultural production structure. The agricultural supply chain finance not only alleviates the farmer's capital constraints, which raises the production scale, but also helps to adjust the profit sharing between the purchaser and the farmer. In addition, no matter how parameters change, as a rural financial innovation, the agricultural supply chain finance always improves the farmer, the purchaser and the whole supply chain profit, which is close to the optimal level of supply chain coordination. This paper provides theoretical basis for enterprises to carry out agricultural supply chain financial services.