摘要
农业是我国高度依赖自然的产业，不可控因素较多，农业一直处于弱势地位，农业整
个行业的特殊性也导致很多中小农企、农户融资困难，影响正常的农业生产活动，近些年，
互联网在农村快速覆盖、农村电商的迅速普及，电商平台根据农业供应链上稳定的合作关
系为基础创新农村金融服务产品，为制约农业发展的困境提供金融解决办法，电商平台逐
渐成为农业供应链融资的主要参与主体推动乡村振兴的建设。目前，与国外相比我国农业
供应链金融发展较晚，电商平台作为主要服务主体的现实经验还不够充足，我国和农业供
应链金融相关的理论体系还不够完善，特别是关于电商平台的案例分析。
本文以网商银行推出的农业供应链金融产品——旺农贷为研究对象，以网商银行与龙
头企业的合作运行模式进行研究分析，以交易成本理论、信息不对称理论为理论视角，从
信息化机制、成本控制机构和风险管理机制三个方面对网商银行农业供应链金融模式进行
分析，并对其整个机制运行效果进行分析，其次，把旺农贷产品与传统供应链金融进行对
比、与京东电商农业供应链金融产品进行对比，分析旺农贷金融产品的优劣势。经过分析
发现电商平台主导的农业供应链金融在降低融资成本、防范风险和提高农业供应链效率方
面具有较大的优势。最后针对旺农贷金融产品存在的问题和不足提出相关建议以及为其他
平台开展农业供应链金融总结启示。
在对旺农贷形成的农业供应链金融运行机制和效果的分析中，本文得出如下结论：旺
农贷金融产品通过对信息化机制、成本控制机制和风险管理机制的完善和发展实现了对整
个农业供应链金融模式的数字化升级，这种模式对于提升电商平台自身的价值和满足中小
农户、农企的融资需求都具有积极作用。通过与传统农业供应链和其他电商平台农业供应
链金融运行机制对比发现，电商平台通过对信息数据的收集、整理和分析，能有效控制风
险，提高供应链运行效率，同时也存在一些不足。需要在信息收集的广度和深度和贷款资
金来源等方面作出努力，以此促进农业供应链金融的健康发展。
关键词：
电商平台；农业供应链金融；运行机制
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Abstract
Agriculture is an industry highly dependent on nature in China, and there are many
uncontrollable factors. Agriculture has always been in a vulnerable position. The particularity of
the entire agricultural industry also leads to financing difficulties for many small and
medium-sized farmers and farmers, which affects normal agricultural production activities.
E-commerce platforms innovate rural financial service products based on stable cooperative
relations in the agricultural supply chain, and provide financial solutions to the difficulties that
restrict agricultural development. E-commerce platforms gradually become the main
participants in agricultural supply chain financing to promote the construction of rural
revitalization. At present, compared with foreign countries, the development of agricultural
supply chain finance in China is late, the practical experience of e-commerce platform as the
main service subject is not enough, and the theoretical system related to agricultural supply
chain finance in China is not perfect, especially the case analysis of e-commerce platform.
The agricultural supply chain based on the electronic retailing bank financial products -
Wangnongdai as the research object, to give him the bank through analyzing running mode of
cooperation with leading enterprises, with transaction cost theory, information asymmetry
theory as the theoretical perspective, from the information mechanism, cost control mechanism
and risk management mechanism from three aspects to analyze electronic retailing bank of
agricultural supply chain finance model, The operation effect of the whole mechanism is
analyzed. Secondly, the advantages and disadvantages of Wangnongdai financial products are
analyzed by comparing Wangnongdai products with traditional supply chain finance and
Jingdong e-commerce agricultural supply chain financial products. Through analysis, it is found
that e-commerce platform dominated agricultural supply chain finance has great advantages in
reducing financing costs, preventing risks and improving the efficiency of agricultural supply
chain. Finally, relevant suggestions are put forward for the problems and deficiencies of
Wangnongdai financial products, and inspiration is summarized for other platforms to carry out
agricultural supply chain finance.
In the analysis of the operation mechanism and effect of agricultural supply chain finance
formed by Wangnongdai, this paper draws the following conclusions: Wangnongdai financial
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