Research Of The Rural Financial Support For New Agricultural Management Main Body Development

With the continuous development of China's economy,there are many new changes in the rural operation subject.The new type of agricultural management,represented by family farm,major major,farmer cooperatives and agricultural industrialization leading enterprises,has become the main force of rural economic transformation and supply-side reform.But a new type of agricultural management main body is still small scale economy,problems such as lack of refinement management,as well as affected by natural disasters caused by the high risk,most operators facing tremendous difficulties and challenges,especially financing difficult financing,financing expensive,slow,financial supply and demand structure imbalance,and risk dispersion and compensation mechanism,always restricts the effective development of new type of agricultural management main body.Therefore,this article through the analysis of the case study of hubei province,explore the mode of rural financial innovation,to break the bottleneck of rural.development,improve the rural financing environment and risk management,promote the rapid development of rural economy.New type of agricultural management main body may be many reasons for financing difficulties,from the official data research and analysis of the main causes of financing difficulties:one is the new agricultural management main body,the lack of regulations,internal management ability is insufficient,loosely organized form the Shared interests of groups together,still stay in the traditional production management structure;Second,financial institutions,financial services and product simplification,financial structural imbalance between supply and demand,does not meet the demand of the agricultural management main body,the small number of agricultural insurance coverage and guarantee institutions guarantee strength is insufficient,making it difficult to finance financial institutions;Third,from the perspective of the government,the rural lack of good credit environment,the mortgage difficulty of land contracting right and the inadequate risk compensation mechanism all make the financing of the new type of agricultural operation difficult.In the face of hubei rural finance and rural management master Hugh fusion between the dilemma,using the experience of Taiwan's rural financial development and peasant associations,the establishment of rural economic and financial operation,property right transfer,financing guarantee,risk compensation and credit system five big platform,accelerate the depth of the financial and economic integration in rural areas in hubei province.Case study of hubei zhijiang city's first pilot area construction federation of farmer cooperative organization(farmers union),and the rural cooperative finance property rights trading three big system,the mode of "cooperative + financial" has obtained certain result,have a demonstration effect on the province to promote,but there are still some shortage of place,such as cooperative,there is no perfect admittance mechanism,the government risk guarantee mechanism is imperfect,bank credit loan survey technology and products,credit model improvement,etcBased on the above situation,in order to solve these difficulties and problems,it is necessary to promote the development of new agricultural business entities from three aspects,such as the subject itself,the financial institutions and the government.In terms of the operating subject itself,it should strengthen the supervision of cooperatives and promote the standardization of cooperatives.Introduce talent management and establish long-term mechanism;We will promote the Internet + financial model and expand financing channels.Second,government should strengthen the construction of rural credit investigation system,improve the credit guarantee and agricultural insurance mechanism,and create a good Internet environment.Third,we will optimize financial services,promote product innovation and expand the scope and scope of loans.ZhiJiang city,a new mode of agricultural management main body finance innovation,providing empirical support for the rural financial development of our country,to build a new socialist countryside,realize the strategic target of "harmonious society" is of great significance.