Study On The Solution Of The Financing Difficulty Of The New Agricultural Management Subject By "Finance And Insurance"

In recent years,with the accelerating process of agricultural modernization,the agricultural and rural economy has developed rapidly,and various new types of agricultural management entities have grown rapidly.In particular,large professional households,family farms,professional cooperatives and leading agricultural enterprises have become the mainstream of agricultural modernization.Because the new agricultural business entities with large-scale and commercial characteristics need to spend more funds to bear the land transfer fees and the purchase fees of agricultural machinery and equipment,compared with the traditional farmers,the total amount of financing is not "small and scattered".It is a financial need that has gradually become large-scale.Such a huge amount of capital investment is not borne by the new agricultural business entities themselves,and it is necessary to seek the help of external funds,especially the credit support from rural formal financial institutions.At present,China's rural formal financial institution services are difficult to meet the huge capital needs of the development of new agricultural business entities,and the financing difficulties of agricultural business entities are increasingly prominent.As a kind of financial innovation product,"Caiyin Insurance" has emerged since the second half of 2015.It has achieved good results and its development space is immeasurable.Its purpose is to support the development of new agricultural business entities,to promote the employment of the surrounding poor,and to change the current situation of rural poverty.In the sample area,Yiyang City,as a province with a high proportion of agriculture in Hunan Province,a large proportion of rural poor,and a fast-growing agricultural market for new agricultural management entities,also serves as a pioneer in the "Finance and Banking Insurance" pilot program to accurately alleviate poverty and promote agricultural modernization.The process has achieved good results.In view of this,this paper takes the promotion of "Finance and Banking Insurance" financial products in Yiyang City,Hunan Province as the background,based on relevant concepts and theories,takes the financing of new agricultural management entities in Yiyang as the research object,and comprehensively applies data analysis and other methods.On the basis of the field investigation and analysis of the application of the financial management entity and the application of "Caiyin Insurance" in Yiyang City,it proposes solutions and measures to improve the financing difficulties of the operating entities,in order to promote "Caiyin Insurance"in Hunan Province.Promote the application to provide theoretical guidance and practical reference.Based on the field research of 156 new agricultural management entities in Yiyang City,this study mainly studied the following four aspects:Firstly,this paper adopts a combination of literature research and systematic analysis to define the basic concepts of new agricultural management entities and financial affairs.The basic connotation of the protection clarifies the logical framework and connotation boundary of this study.Secondly,the questionnaire field research and case analysis were used to analyze the current situation of financing difficulties of new agricultural management entities in Yiyang City,and the application status of "Finance and Bank Protection" policy in Yiyang City was discussed in depth.Thirdly,through the methods of field investigation and data analysis,the paper analyzes and analyzes the financing difficulties of the new agricultural operation entities in Yiyang City,which lays a solid foundation for the promotion of Hunan Yincai Insurance.Finally,in response to the "Caiyin Insurance" to resolve the financing difficulties of the new agricultural business entities,the corresponding policy recommendations are proposed from the government,bank insurance financial institutions and agricultural business entities themselves.