云南农户茶产业发展资金筹措方式的调查研究

资金是产业赖以生存和发展的基础，在云南茶叶面对国内外激励竞争、同行冲击的状况下，基于云南四个州市的实地调研数据，探究茶农茶产业发展资金筹措的主要方式，以及进行区域比较，并根据茶农年龄结构不合理、文化程度低，获取生产投入资金渠道单一，贷款难且需抵押物的制约农户资金筹措的短板，提出通过培育茶产业的新型经营主体、拓展资金筹措渠道、支持金融机构推出更多支农惠农信贷业务等推进茶产业发展和提高茶农收益。

Investigation and Research on the Financing Way of Tea Industry Development of Yunnan Farmers

Capital is the basis for the survival and development of the industry. Under the situation that Yunnan tea faces the domestic and foreign incentive competition and peer impact, based on the field survey data of four areas in Yunnan, this paper explores the main ways of financing, as well as the comparison between different areas. And according to the restrictive factors that are the unreasonable age structure and low education level of tea farmers, the channels for obtaining production investment capital single; loan is difficult and collateral is needed, this paper proposes the suggestions on promoting the development of tea industry and increasing the income of tea farmers. That is to cultivate new business subjects of tea industry, expand financing channels, and support financial institutions to launch more credit businesses for supporting agriculture and benefiting agriculture.