Agribusiness Financing Survey And Analysis-based On A Survey Of Agriculture-related Enterprises In Chengdu

Over the years, China’s rural areas is quite prominent contradiction between supply and demand of funds, long restricted the country’s rapid economic development in rural areas.2004to2013the central document are related to the content of the reform of rural finance.As an important part of the rural economy, the development of agriculture-related enterprises also greatly affect the economic development of rural areas, and agriculture-related enterprises can not develop without financial support. Based on the current single rural financial services, it is difficult to meet the needs of the development of agriculture-related enterprises. Therefore, for rural financial supply and demand on-site investigation and analysis, and to China’s rural financial system reform policy recommendations, has important practical significance.This paper is on agriculture-related enterprises in Chengdu and surrounding counties visited the survey carried out on the basis of unfolding. Through the use of questionnaires to obtain a direct reflection of the financial needs of agribusiness and rural financial supply data. Using empirical analysis, normative analysis, statistical analysis, comparative analysis and other methods, a combination of public economics, econometrics and other modern economics point of view, the financial needs of agribusiness obtained reflect universality, cyclical, micro-sex and dispersibility characteristics without fixity. This pursuit of profit maximization as the main target of the apparent contradiction between commercial banks, making the lack of formal financial institutions engaged in rural credit momentum, the launch of products and agribusiness demand is difficult to fit, engaged in the business and financial needs of rural areas, there are many differences.Through further analysis of the surveyed enterprises in the financial situation and the needs of rural finance combined with the author’s own line of work practice, this paper considers the current supply and demand in rural areas mainly reflects the following financial characteristics:1total demand in rural areas, agriculture-related enterprises large, but the average individual needs of small enterprises;2. rural areas is diversified financing channels, expanding private financial accounting;3. formal financial middle peasants Commercial Bank rural credit cooperatives a single large, the lack of effective competition.In this paper, in the form of questionnaires, agriculture-related enterprises, especially agriculture-related financing situation of SMEs doing fieldwork, in order to objectively reflect the actual situation of agriculture-related enterprises, combined with operational mechanisms of rural financial institutions, both has not been possible to find form a good cooperation knot disease lies, trying to draw in favor of rural financial institutions for the financing needs of agriculture-related enterprises to provide better financial services approach.