摘要
为了解决科技型涉农企业融资困难的现状,通过更为完善的涉农信贷产品促进农业产业升级。基于生命周期理论针对科技型涉农企业不同时期的资金需求设计信贷产品。选定成本加成法为基础定价模式,设计了科技型涉农企业的信用评级指标及评价标准,根据不同企业的信用评级进行定价调整,进而确定信贷价格。结合龙江银行的涉农业务案例进行了实证分析,表明产品设计与定价能够有效契合市场需求,解决科技型涉农企业的融资困难。
The purpose of this paper is to -related enterprise financing difficulty, and to deal with the situation of the science and technology agriculture promote the upgrading of Chinese agricultural industry. Based on the lifecycle theory, the credit products of different periods have been designed for the science and technol- ogy agriculture-related enterprises. The cost-plus method is selected for the basic pricing model. Then the credit rating indicators and the evaluation criterion are designed, and the final prices are determined by the rating levels of the different enterprises. Longjiang bank is chosen as a case for the empirical analysis. The re- sults indicate the market demand can be satisfied by the aforementioned product design and pricing. And then the financing difficulty of the science and technology agriculture-related enterprise is resolved.
作者
姜明辉
王思霖
JIANG Ming-hui WANG Si-lin(School of Economics and Management, Harbin Institute of Technology, Harbin 150001, China)
出处
《哈尔滨工业大学学报（社会科学版）》
CSSCI
2017年第2期126-132,共7页
Journal of Harbin Institute of Technology(Social Sciences Edition)
基金
黑龙江省科技攻关项目"龙江银行‘小科农’金融创新体系研究"
关键词
科技型涉农企业
信贷产品
产品创新
龙江银行
the science and technology agricultural enterprise
credit product
product innovation
longjiang bank
