Research On Financing Problems And Countermeasures In The Development Of The Family Farm In Henan Province

The concept of "family farm" was first proposed in the central document of 2013,which is enough to show the state's attention to family farms and to the development of rural agricultural economy.Family farm is the development and innovation of China's agricultural economic system,and its advance will inevitably bring about revolutionary changes in the agricultural economy.However,the development of family farms is constrained by financing difficulties.Therefore,through studying the financial service system of family farm,solving the difficult problem of family farm financing and promoting the development of agricultural economy.At the same time,we can innovate the service system of relevant financial institutions and non-financial institutions,and establish a comprehensive system of financial system.?In this paper,the family farm related concepts defined,including the concept and characters of the family farm and what constitutes a family farm financing,tightly around the new operating system construction theory,agricultural credit subsidies theory,rural financial market theory,imperfect competition theory related to the family farm financing and the theory of financial service system of the family farm is analyzed.And then to start a family farm financing service system in henan province of the specific studies,started to henan agricultural development as the breakthrough point,analysis the family farm in henan province financing demand and supply subject,points out that the family farm in henan province meet with difficulties in capital requirements,including the family farm itself,financing supply institutions and government three reasons.Specifically,the reasons for the family farm itself are mainly: the family farm in henan lacks modern management concept in the development process,and the bad management results in the Banks' reluctance to lend.The farmer's lack of effective collateral has led to financing difficulties.The reasons for financial institutions are: the financial services system for family farms is single,which can not meet the needs of diversified family farm financing;The credit evaluation system of family farm was not established;The risk guarantee mechanism is not sound enough.The reasons for the government are: the definition of family farm is unclear and the relevant laws and regulations are not sound;The lack of land flow impedes the development of family farms.Represented by the United States,France,Japan developed countries set up more perfect family farm financial service system,this paper argues that should draw lessons from the development experience,to guide the development of the family farm in China.Finally,Suggestions and measures to solve the financing difficulties of family farms in henan province are given.