| At present,small farmers are still the most basic main body of agricultural production in China.How to realize the connection between small farmers and modern agriculture is one of the important issues emphasized in the report of the 19 th National Congress of the Communist Party of China,and it is also one of the "three rural" issues that urgently need to be resolved.China is a big agricultural country with a long agricultural civilization,a very large cultivated area,and a large agricultural population.The issue of "agriculture,rural areas and farmers" has always been a part of China’s social economy.In recent years,the Central Document No.1 issued by the state has repeatedly pointed out that in the context of rural revitalization,it is necessary to build a modern agricultural system,accelerate the process of agricultural mechanization,and promote agricultural modernization.With the development of the economy,people’s living standards have improved,and the consumption and capital needs of small farmers are increasing day by day,but their source of funds is only their own farmland income from the intensive cultivation of households,which often cannot meet their financial needs.It affects the income of small farmers,affects the optimization of the rural industrial structure,and hinders the development of the rural economy.Rural finance is the core of the rural economy.Small farmers,as a main body that has survived with historical changes,can’t keep up with the development of modern agriculture.Not only can the machinery and equipment not keep up with the times,but even the latest and most advanced planting technology has not been learned.In this way,under the current situation that such hardware and software can not keep up with the trend of the times,based on national conditions,small farmers will still exist in rural China for a long time,may coexist with new business entities,and may not necessarily be eliminated.Therefore,it is necessary to do a good job of organic integration of small farmers and modern agriculture,so that small farmers can adapt to modern agriculture,integrate into modern agriculture,improve the degree of organization,learn new technologies,increase productivity,and increase the degree of mechanization.Whether the capital needs of small farmers can be met is the key to promoting the integration of small farmers and modern agriculture,and financing through loans is one of the important ways for small farmers to solve their capital needs.So,what is the current status and demand of loan financing for small farmers? What are the problems?How to solve? To answer these questions,an in-depth investigation of small farmers is required.Jingzhou City is located in the plain area and is a large agricultural city.Small farmers are still the main body of agricultural production.Therefore,this article takes Jingzhou as an example to analyze the financing needs and supply problems of small farmers ’ loans through investigation and research to solve the problem of small farmers’ capital needs Provide countermeasure suggestions.The research in this article is divided into the following five parts:The first part is an introduction.First,it explains the background of the topic and the purpose and significance of the research.Second,it introduces the research methods and technical routes of this article.Finally,it introduces the research status of domestic and foreign scholars on small farmers’ loan financing.The second part mainly introduces the related concepts and connotations of small farmers,financing and loan financing;at the same time,it analyzes the rural financial theory,information asymmetry theory and credit rationing theory,which lays a theoretical foundation for the following analysis.The third part is mainly based on the survey results to analyze the current situation of Jingzhou small farmers’ loan financing demand and supply.Firstly,based on the demand side perspective of loan financing,the Jingzhou loan is analyzed from five aspects: the status of small farmers ’loan demand,the scale of small farmers ’ loan demand,the purpose and use of small farmers ’loans,the repayment ability of small farmers,and the risk awareness of small farmers The status of financing small farmers;Secondly,based on the perspective of the supply side of loan financing,by visiting some financial institutions in Jingzhou on the supply side of loan financing,the current financial institutions’ loan size,threshold and center of gravity are analyzed.The fourth part is the problem analysis,mainly from the demand side and the supply side to analyze the current problems of Jingzhou small farmers’ loan financing.The problems on the demand side mainly involve small farmers ’own problems,such as low productivity and weak risk awareness.The problems on the supply side mainly refer to problems at the level of government policies and financial institutions,such as unimplemented policies,inclusive finance Failure to do so,these factors have caused small farmers in Jingzhou to "finance difficulties",so there is a contradiction between supply and demand for capital demand.The fifth part is conclusions and policy recommendations.Firstly,the research of this paper is summarized,and then the problems in the fourth part are proposed from the demand side and the supply side.The research in this paper found that the demand for small farm households in Jingzhou is very strong,but the actual amount of financing through loans is small and the cycle is long.Only small farm households with higher education level will first think of bank loans when solving the problem of capital needs Financing.Financial institutions in Jingzhou focus on lending in the city,not in the countryside,and the loan threshold is very high,resulting in a "difficult loan" situation for small farmers.During the visit,the main problems were found from two perspectives: one is that the loan farmers ’ demand for small farmers has low productivity,weak risk resistance,poor credit awareness,and lack of professional training;the other is loan financing.Suppliers,such as the inadequate implementation of government policies,imperfect development of agricultural insurance,high risk of unhealthy financial institutions,and insufficient credit supply,corresponding suggestions have been put forward.Smallholder farmers need to increase productivity and strengthen risk prevention and control To increase credit awareness and strengthen professional knowledge training,the supplier government should accelerate the construction of a modern agricultural production system,provide professional market information,and introduce agricultural insurance.Banks should improve the guarantee mechanism and increase financial awareness of inclusive finance. |
