农业在陕西省经济发展中处于基础性地位，但随着农业产业化的进程，农业融资面临瓶颈。农业产业链融资是一种新型融资方式，能将整条产业链看作一条信誉链，产业链上企业之间信誉共享，金融机构通过重点考察产业链和核心企业，从而解决链条上广大中小企业和农户的融资难题。陕西省的农业产业链融资为农村经济的发展作出了一定的贡献，但龙头企业整体实力不强、金融机构信贷风险增加和法律法规不健全等因素制约了农业产业链融资的进一步发展。未来应着重发展壮大龙头企业、发挥金融机构的支撑作用并健全相应的法律法规。%Agriculture is at the fundamental status in Shaanxi Province’ s economic development, but with the process of indus⁃trialization of agriculture, agricultural finance is facing a bottleneck. Agricultural industry chain financing is a new and innovative fi⁃nancing model. The whole industry chain can be seen as a reputable chain. Reputation is shared between the industry chain enterpri⁃ses, financial institutions, and by the emphasis on the industrial chain core business, so as to solve the chain of medium and small enterprises and farmers of financing difficulties. Shaanxi Province agricultural industry chain financing for rural economic develop⁃ment has made some contribution, but the overall weak point is only a few strong enterprises, financial institutions credit risk increa⁃ses and improve laws and regulations problems. In future, we must focus on the development and expansion of enterprises, financial institutions should play a supporting role and improve relevant laws and regulations.
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