CAJ | 학술논문

从我国新农村建设的金融需求现状入手，对“农户+政府组织+金融机构”的传统农户融资模式违约风险建立数学模型，找到影响违约行为的相关因素。然后引入“龙头企业”来重构农户融资模式，以规避农产品价格波动和农产品市场需求波动两方面的违约风险，最终研究出了“农户+政府组织+龙头企业+金融机构”的农产品供应链金融模式。
종아국신농촌건설적금융수구현상입수，대“농호+정부조직+금융궤구”적전통농호융자모식위약풍험건립수학모형，조도영향위약행위적상관인소。연후인입“룡두기업”래중구농호융자모식，이규피농산품개격파동화농산품시장수구파동량방면적위약풍험，최종연구출료“농호+정부조직+룡두기업+금융궤구”적농산품공응련금융모식。
In this paper, starting from the current status of the demand for financial support in the construction of new villages in China, we built the mathematical model for the default risk in the traditional farmer financing mode with the farmer, government and financial institution structure, identified the relevant factors influencing the default, then restructured the farmer financial mode by introducing the lead enterprise, and at the end, established innovated farm produce supply chain financing mode consisting of the farmer, government, lead enterprise and financial institution.