安溪茶产业发展的融资对策研究

发布时间：2018-04-04 19:12

本文选题：茶产业　切入点：融资　出处：《华侨大学》2017年硕士论文

【摘要】：安溪被誉为“中国茶都”,在我国支持农业产业发展和促进海西经济建设的宏观政策支持下,外加安溪县地方政府对于本地民生产业的重视度高,安溪县的茶叶产业这几年得到了较好的发展,在全国乃至国际茶叶市场的影响力都得到了提高。但是随着经济形势的不断变化,当前安溪县茶叶企业的发展也遇到了许多困难,特别是融资方面成为当前亟待解决的问题。这与安溪县茶企本身的因素有关,例如茶叶企业自身生产规模较小,企业的专业生产技术不高,茶企从业人员的素质较低,经营管理不规范等。同时,安溪县茶叶企业也兼具了农业产业的弱点,在获取金融信贷方面没有足够可以依赖的抵押物,很难通过金融借贷的方式获得资金改善企业的生产技术和设备。因此,如何突破当前的发展瓶颈,建设新的发展格局,是安溪县茶叶企业在新形势下亟待解决的问题。鉴于此,本文以安溪县茶产业为研究对象,在总结国内外相关理论与实证研究等文献的基础上,通过开展问卷调查、访谈企业人员的方式,分析安溪县茶产业的融资现状。研究发现,安溪县茶产业融资虽然得到了一定力度的支持,但是仍然存在大的问题,如企业融资环境不乐观、获得融资的渠道少、金融机构接受的信用抵押品种类单一、政府对于茶企的专项财政资金支持的力度不够、融资资金用途有限等。在探析了导致这些问题的原因之后,通过借鉴日本、印度、云南和广州地区在茶产业融资方面的先进经验和做法,分别在两方面提出了构建安溪县茶产业发展的融资体系及对策建议。一是在根据安溪茶产业成熟度制定合理的金融支持措施方面提出:加大安溪茶产业发展专项资金投入、整合茶产业资源实力、做好茶产业链条各环节的信贷扶持、完善茶产业保险服务以加强融资保障、强化企业自身融资能力建设的建议。二是在服务安溪茶产业发展的融资对策建议方面提出:实现金融服务多元化、借力泉州金改区区域优势作用、借助互联网金融新型模式转型升级、依托互助融资缓解资金压力、破解茶园产权抵押融资问题的建议。通过以上建议,力求能够为完善安溪茶产业发展提供有益的参考。
[Abstract]:Anxi is known as the "tea capital of China". With the support of the macro policy of supporting the development of agricultural industry and promoting the economic construction of Hercynian, the local government of Anxi county attaches great importance to the local people's livelihood industry.The tea industry in Anxi County has been developed well in recent years, and the influence of tea market in the whole country and even in the world has been improved.However, with the constant change of economic situation, the development of tea enterprises in Anxi County has met with many difficulties, especially in the aspect of financing.This is related to the factors of the tea enterprises in Anxi County, such as the small scale of production, the low professional production technology, the low quality of the employees of the tea enterprises, the irregular management and so on.At the same time, the tea enterprises in Anxi County also have the weakness of the agricultural industry. They do not have enough collateral to obtain financial credit, and it is difficult to obtain funds to improve the production technology and equipment of the enterprises through the way of financial loans.Therefore, how to break through the current development bottleneck and build a new development pattern is an urgent problem for the tea enterprises in Anxi County under the new situation.In view of this, this paper takes Anxi County tea industry as the research object, on the basis of summarizing the domestic and foreign related theory and empirical research and so on, through carries out the questionnaire survey, interviews the enterprise personnel way, analyzes the Anxi county tea industry financing present situation.The study found that, although Anxi tea industry financing has received a certain degree of support, but there are still big problems, such as enterprise financing environment is not optimistic, access to financing channels are small, financial institutions accept a single type of credit collateral.The government's special financial support for tea enterprises is not strong enough, the use of financing funds is limited, and so on.After analyzing the causes of these problems, by learning from the advanced experiences and practices of Japan, India, Yunnan and Guangzhou in the area of tea industry financing,The paper puts forward the financing system and countermeasures for the development of tea industry in Anxi County.First, in formulating reasonable financial support measures in accordance with the maturity of the Anxi tea industry, it is proposed to increase the investment in special funds for the development of the Anxi tea industry, to integrate the resources of the tea industry, and to do a good job in providing credit support for all links in the tea industry chain.The suggestion of perfecting the insurance service of tea industry to strengthen the financing guarantee and strengthen the enterprise's own financing ability construction.Secondly, in the aspect of financing countermeasures and suggestions to serve the development of Anxi tea industry, we put forward the following suggestions: to realize the diversification of financial services, to take advantage of the regional advantages of Quanzhou Gold Reform District, to use the new mode of Internet finance to transform and upgrade, and to rely on mutual financing to relieve the pressure of capital.The proposal to solve the problem of mortgage financing of tea garden property rights.Through the above suggestions, to improve the development of Anxi tea industry to provide a useful reference.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F326.12;F302.6

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