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Research on the Innovation of “Cloud Financing” Mode of Family Farm from the Perspective of Agricultural Industry Chain

机译：农业产业链视角下家庭农场“云融资”模式创新研究

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Family farm is the product of promoting the development of modern agriculture. It has the characteristics of large-scale operation, specialization and marketization. It is the representative of the new agricultural mode in China's agricultural modernization reform. However, due to the lack of funds, the development of most family farms is restricted, and the financing channels are blocked, which is an important problem to be solved. Therefore, this paper puts forward an innovative research on the “cloud financing” mode of family farms from the perspective of agricultural industry chain. This paper makes an in-depth investigation on the main financing modes and main demands of family farms in China. According to the survey results, family farms have a large demand for modern agricultural machinery, and there is a large funding gap. However, the interest rate of existing financing channels is too high and the financing cost is too high. In view of this situation, this paper introduces “cloud financing” which has been widely used in recent years into family farms, and analyzes it from the perspective of agricultural industry chain. This paper believes that through the cloud financing mode, driven by the Internet and information technology, it can effectively integrate idle resources and establish network financing platform under the support of policies. This mode simplifies the operation mode of traditional financing mode, optimizes the structure of financing mode, and plays a positive role in promoting the development of the upper and lower industrial chain of family farms.
机译：家庭农场是推动现代农业发展的产物。它具有大规模操作，专业化和市场化的特点。它是中国农业现代化改革新农业模式的代表。然而，由于缺乏资金，大多数家庭农场的发展受到限制，融资渠道被阻止，这是一个重要的问题。因此，本文对农业产业链的角度来说，对家庭农场的“云融资”模式提出了创新研究。本文对中国家庭农场的主要融资方式和主要需求进行了深入的调查。根据调查结果，家庭农场对现代农业机械的需求大大，融资差距很大。但是，现有融资渠道的利率太高，融资成本太高。鉴于这种情况，本文介绍了近年来广泛使用的“云融资”进入家庭农场，并从农业产业链的角度分析。本文认为，通过互联网和信息技术驱动的云融资模式，它可以有效地整合闲置资源并在政策的支持下建立网络融资平台。此模式简化了传统融资模式的操作模式，优化了融资模式的结构，并在促进家庭农场的上下产业链的发展方面发挥了积极作用。

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