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首页> 外文期刊>Current Science: A Fortnightly Journal of Research >Role of financial agencies in integrating small farmers into a sustainable value chain: a synthesis-based on successful value chain financing efforts
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Role of financial agencies in integrating small farmers into a sustainable value chain: a synthesis-based on successful value chain financing efforts

机译：金融机构在使小农融入可持续价值链中的作用：基于成功的价值链融资工作的综合

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摘要

With changing agricultural business environment, the conventional direct marketing method is becoming a less feasible option for small and marginal farmers due to emergence of supermarkets, increasing consumers' preference for value-added food products, high production and marketing cost associated with small scale of operations and increasing consumers' emphasis on quality, safety and appearance of the product. Hence farmers must enter into a value chain in order to adapt to the changing business environment. Capital investment on production and processing aspects is a prerequisite in order to achieve and authenticate the quality, safety and attractiveness standards. Small and marginal farmers are least preferred financing clientele due to lack of strong collateral security and low risk-bearing ability. But, they form the major chunk of the population dependent on agriculture, contributing more than half of total agricultural production. Hence we need alternative approaches that can either reduce the financial risks associated with production and marketing process at the farmers' level, or approaches which can shift the farmers' financial risk entirely onto the other stakeholders in the value chain. Approaches like contract-based financing and cascade financing increase the possibility of success in business and reduce farmers' business failure risk. Joint liability group financing increases the financial risk-bearing ability of the farmers with reduction of defaulter risk and increase in creditworthiness of the individual farmer. Interdependence financing increases the small farmers' access to credit services. Indirect supplier financing shifts the farmers' financial risk on the other stakeholders in the value chain.
机译：随着农业经营环境的变化，由于超级市场的​​出现，消费者对高附加值食品的偏爱，生产和销售成本较高（与小规模经营相关），传统的直接营销方法已成为小边际农民不太可行的选择。以及越来越多的消费者对产品质量，安全性和外观的重视。因此，农民必须进入价值链，以适应不断变化的商业环境。生产和加工方面的资本投资是达到和认证质量，安全性和吸引力标准的先决条件。由于缺乏强有力的抵押担保和低风险承受能力，小而边缘的农民是最不喜欢融资的客户。但是，它们构成了依赖农业的人口的主要部分，占农业总产量的一半以上。因此，我们需要替代方法，这些方法既可以减少与农民水平上的生产和销售过程相关的财务风险，也可以将农民的财务风险完全转移到价值链中的其他利益相关者的方法。基于合同的融资和级联融资之类的方法增加了业务成功的可能性，并降低了农民的业务失败风险。共同责任小组筹资提高了农民的财务风险承受能力，同时减少了违约风险并提高了单个农民的信用度。相互依赖的融资增加了小农获得信贷服务的机会。供应商间接融资将农民的财务风险转移到价值链中的其他利益相关者身上。

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