Abstract: Some questionnaires were used in 221 Tea Corporations in cities and towns of Fujian, which mainly producing and marketing tea, to survey the advantage of differentiation, and the results elarified the situation of financing in these corporations and the risk under it. Conclusions indicated that Fujian tea enterprises were small to micro in scale basically, which mostly meet its financial needs through financial institutions such as banks and cooperative, mainly related to financing, deposit, settlement, etc. In view of the big financing risk, financing and loans problems were prevalent among tea enterprises. Constructing institutional framework to crack the financing risk of Fujian tea enterprises should start with system innovation of the financial institutions, credit protection of industry associations and policy supporting of functions.

Key words: Fujian tea enterprises, differentiation, demand of financial service, risk