Family Farm Financing Predicament And Model Research In Our Country

At present, the family farm financing difficult problem of research focuses on a number of financial system innovation, improve the financing system, and further deepen the reform of the rural financial system, etc., considering the present situation of the domestic financial market, through the way to solve the family farm financing difficulties still need a long period of time. Therefore, in view of the family farm financing needs improvement and financing mode of the practice of financial product innovation is more feasible.In this paper,in the second chapter and the family farm financing related concepts and theory,lay theoretical foundation for the later.This article from the analysis of the present situation and causes of family farm financing difficulty, points out that the financial distress and credit is the main factor restricting the family farm financing difficulties. Therefore, how to effectively relieve the contradictions of the financial and credit will become the key to solve the problem of family farm financing in our country. The basic idea is to use to solve the problem of the agricultural products logistics financial mode, through third-party logistics enterprises in the credit market, set up a special mechanism, to share the family farm loan risks in financing.This article analyses the cause of the family farm financing difficulties, detailed introduces the agricultural products logistics financial model. According to the characteristics of the family farm financing needs, developing agricultural products logistics financial business will help alleviate information asymmetry between Banks and the family farm, solve problems such as inadequate family farm their mortgage, guarantee, and thus may become a new way to solve the difficulty at present the family farm. Finally, constructing the system of agricultural products logistics financial support.In this article, on the basis of theoretical research and case analysis, draw the conclusion: the development of agricultural products logistics financial model could be the effective way to solve the problem of family farm financing difficulties.