Research On New Agricultural Business Entities Based On Financial Product Innovation

Under China’s accession to the WTO, China’s industrial structure adjustment and lag in the context of China’s financial system reform, the development of agricultural new operators in the industry each link is a big difficulty, and great difficulty is financing problem, therefore this article embarks from the new agricultural management main body financing needs, analyzes its existing problems, and through the financial product innovation to solve the financing problem.From the point of study, it has positive theoretical significance and practical significance.This article combine the method of theoretical analysis,field investigation and empirical analysis method.Through the concept of defining the connotation of new operators and first-hand field survey data collected from five provinces,on the basis of this,we put out financing demand characteristics and problems of family farm and agricultural enterprise using she statistical analysis.Through the form of case study, we analysis the effect of the rural financial product innovation,according to different new operators, put forward reasonable forms of financial product innovation,research conclusions and policy recommendations finally.The main conclusion of the study as follows:1. The features of the family farm financial needs : large family farm financing difficulties; the financial needs of the family farm scale; the financial needs of the family farm longer term expectations;expectations of the family farm financing is mainly concentrated in the financial system.2. Agribusiness financial needs Features: agribusiness funding shortfall between supply and demand prevailing; lending is still difficult enterprises mainly reflects the lack of collateral required to solve the urgent problems; most companies represent that loans from financial institutions is still the main financing channels, the financing want to use credit, hoping to interest payments on loans business financing support on the way; agribusiness companies to join the alliance, supply chain financing preference obvious.3. A variety of practices of financial product innovation, is expected to solve the problem of financing problems of new operators.First, the rural property financing can effectively solve the new agricultural business entities, especially family farms charge a security problem, to solve the financing problem of family farms is significant;Second, the agricultural supply chain finance agribusiness loans can reduce risk and increase agribusiness financing acquired;Third, the guaranteed loans to solve the problem of financing cooperatives have good practice guidance;Fourth, credit guarantees and insurance collection loans will combine together in this agricultural credit and agricultural insurance policy under joint development mechanism, set up financial support for agriculture modular service model worthy of reference.