Research On Family Farm Financing Difficulties And Countermeasures In Yangling

Under the policy background of strongly supporting the development of modern agriculture by country, family farm and other new kinds of agricultural management model has shown great vitality, it has become one of the main forces of Chinese agriculture. But currently, the development of family farm was also influenced by policy, technology, fund and other restraining factors, the problem of financing is one of the key factors, which restricted the rapid development of family farm. Positively exploring the solutions has already become a research subject for many scholars. Yangling as the agricultural high-tech industries demonstration zone, the development of family farm, which is a new kind of land scale economy business model, is more advanced relatively than the rest places of the country, but at present, financing problem, which restrains the sustaining development of family farm, also exists.In this paper, financing research progress of family farm at home and abroad is classified, the relevant concept and research theoretical basis of family farm, financing and financing mechanism is defined clearly. Family farm in Yangling is mainly classified in three kinds, which are planting type, cultivation type, planting- cultivation type, the planting type is 80%. A series of beneficial policies are published by government towards family farm development, agriculture technology area advantage of Yangling is obvious, financial institution ensures family farm to obtain financial credit supports via cultivating novel agricultural business body. Financing of family farm in Yangling has extended demand limit, diversified demand of financial products, multiple financing terms, intensely demand of agricultural insurance and other characteristics. Besides, there are mainly three kinds of financing channels which are financial funds, credit funds and self-financing funds to family farm in Yangling, which has the problem of lacking of credit funds and overweight of self-financing fund. Reasons of financing difficulties to family farm in Yangling are analyzed, result shows that weak characteristic of agriculture itself, mismanagement of farm itself, poor pertinence of corresponding financing products and period of financial institutions, lack of credit rating system, lack of risk security system, unclear laws of family farm, limited support capacity of financial fund, implemented collateral policies, etc. are the main reasons, which cause financial problems to family farm in Yangling. A series of measures which are took by Yangling rural commercial bank to solve the problems of financing are introduced and analyzed, according to the practical demand of family farm, those measures aim at innovating and developing integrally financial services, credit management method, multivariate credit model, in order to help family farm get rid of financing difficulties, which provides effectively supporting examples.In this paper, by using information asymmetry theory, public finance supporting agriculture theory, credit guaranty theory, four aspects suggestions which are aiming at family farm financial difficulties are proposed. Firstly, farm need to promote its strength, which includes enhancing the overall intelligence level, improving farm income-generating capacity, visibility and market competitiveness, encouraging farmers to enhance financial credit knowledge, strengthening the jointing of economic entity, etc. From those four aspects to improve family farm itself strength and its financing efficiency. Secondly, according to strengthen the linkage of government departments, improve land rights registration system, regulate farm development, standardized financial subsidy review mechanism, establish loan-deposit ratio management, strengthen farmers credit awareness training, etc, some suggestions needs to be proposed to relevant department. Thirdly, according to innovative credit management model, expand the range of collateral, establish credit rating system, extend industrial chain financial model and other lending model, etc, some suggestions needs to be proposed to let financial institutions deeply step in this area to make novel contributes to promote agriculture modernization development. Fourthly, strengthening the cooperation is emphasized. According to build credit rating system, risk-sharing and compensation mechanisms by government, financing institutions and insurance company, finance efficiently play a guiding oriented financial leverage, etc, hoping to jointly promote the development of family farms.