Study On "zheng Yin Bao" Model Promoting The Development Of New Type Operators In China's Agriculture Sector

The new type operators in China's agriculture sector represents the developing direction of modern agriculture in China,and it is an important task to cultivate and develop these new type operators.Investment in agriculture has a long cycle and high risk and the lack of effective collateral is also a big problem for the new agriculture sector gain financial support.Financing problem has become an important problem restricting its healthy development.In order to break through the difficult situation of the loan,new loan modes are explored in various places,and the " Zheng Yin Bao " model is one of the successful models of this kind of exploration.Sanshui district of Guangdong province is the first place where issue loans by using this new model.Insurance company involved in agricultural loans process.The borrower purchasing a loan guarantee insurance.Once the model is introduced and alleviate the local farmers,especially in large farming,agricultural cooperatives,etc.This new type loan plays an important role for the development of new operators.This paper is based on the research on the development and current situation of the mode of " Zheng Yin Bao ".And analyzed the problems and effects of the application of " Zheng Yin Bao " in the process of operators.In the process of implementing the model,the participation of the participating subjects is not high,and the problems of government,bank and insurance companies' interest demands are difficult to solve.At the same time,it should be seen that the mode has a positive influence on the income change,subject development and credit system construction of the new operators.The effect is analyzed by the cooperative game model.In this part,Shapley value method are used to compare and analyze the changes of the bank's profit and risk sharing after the insurance company participating in the cooperative game.The result is that the bank taking less risk and getting more profits.So the bank will increase their lending to the assumption that profits are maximized.Finally,according to the analysis result of the boost mechanism,combined with the implementation of this policy,the problems in the operation of this mode are summarized and sorted out.In addition,the paper puts forward some policy Suggestions,such as the development of the " Zheng Yin Bao " model,the strengthening of interaction and cooperation among the main bodies,and so on.