The Development Of Modern Agriculture In The Dongpo District Of Meishan City Financial Support Research

Agricultural development has always been the "top priority" of the CPC Central Committee.Since the Nineteenth National Congress,the central government has put forward for the first time the important strategy of "rural revitalization",which fully illustrates the importance of agricultural issues.In 2018,the People's Bank of China promulgated a new regulation on capital management: emphasizing the origin of financial return and serving the real economy.Under this policy background,banks should return to provide credit support for the real economy,and insurance industry should decentralize and bear all kinds of commercial risks,which will undoubtedly play a strong supporting role in the development of modern agriculture and the implementation of the strategy of rural revitalization.In view of the underdeveloped counties in Western China,it is of great practical significance to study how to use financial means to realize the rapid and healthy development of agricultural modernization.Based on the theory of scale economy and imperfect competitive market,this paper investigates and studies the characteristics,main contents,measures and existing problems of modern agricultural financial support in Dongpo District of Meishan City.It is found that,with the rapid development of modern agriculture,the current demand for rural credit in Dongpo District of Meishan City is in short supply and the demand for funds of agricultural enterprises is cyclical.The development of modern agriculture is hindered by many reasons,such as the high requirement for the timeliness of loans,the insufficient mortgage guarantee ability of small and medium-sized rural operators,the monopoly of rural financial market and the imperfect risk-sharing mechanism of agricultural insurance.Second,Dongpo District has effectively alleviated the difficulty of loans for small and medium-sized agricultural enterprises by increasing loans through innovative funds,guaranteed loans and insurance loans.Third,under the policy guidance of Meishan City Central Branch of the People's Bank of China,the major banks in Dongpo District have intensified the issuance of agricultural loans to encourage and support the development of rural enterprises.Fourthly,by innovating financial products such as "tax loans" and "government-enterprise loans",the financing channels of agricultural enterprises have been broadened.Fifthly,we should actively promote the pilot projects of agricultural characteristic insurance suitable for local agricultural characteristics and establish and improve the risk sharing mechanism of agricultural insurance.According to the conclusion,this paper puts forward the following suggestions: First,it suggests that the government should improve and perfectthe financial system,and guide the flow of credit funds to rural areas.Second,innovate financial services and products to meet cyclical financing needs.Thirdly,it is suggested to innovate the ways of supporting agriculture and promoting the industrialization of modern agriculture.Fourth,we should steadily promote the TWO-RIGHT mortgage loan and increase the mortgage guarantee for agricultural enterprises.Fifthly,we should encourage financial institutions to sink their business focus and promote moderate competition in rural finance.Sixth,we should enrich agricultural insurance products and establish and improve regional rural insurance risk sharing mechanism.