Research On The Construction Of Financing Mode Of Chattel Pledge Of Small And Medium-Sized Agricultural Enterprises

As an important part of the socialist market economy,small and medium-sized enterprises have made an important contribution to the construction of the socialist society with Chinese characteristics.With the continuous attention of the state to the issue of agricultural modernization,significant changes have taken place in traditional agriculture,more and more small and medium-sized agricultural enterprises have emerged,agricultural products are more abundant,and farmers' economy has gradually moved from retail to large-scale,becoming a solid foundation for serving the countryside,connecting the third industry,realizing the important economic entity of rural products to the market and realizing the value transformation.Small and medium-sized enterprises involved in agriculture are facing difficulties in capital turnover and financing channels while promoting rural economic development.In this paper,literature research,qualitative and quantitative research methods are used.Firstly,the actual situation of the current development of small and medium-sized enterprises involved in agriculture in Horqin Region of Inner Mongolia Autonomous Region is comprehensively introduced,and the opportunities and challenges faced by small and medium-sized enterprises involved in agriculture in the new era are studied based on three aspects.Secondly,three types of typical risks are found in the emerging financing mode of chattel pledge: loan enterprise risk;loan bank risk;third party real estate supervision company risk.Then,this paper selects the case of Inner Mongolia Keerqin live cattle for analysis,and constructs the live cattle chattel pledge financing mode.Finally,this paper puts forward a set of countermeasures and suggestions on the supervision mechanism of chattel mortgage financing,which is conducive to avoid the credit problems caused by bank loans,so as to provide a reference for further optimizing the chattel mortgage financing business of small and medium-sized agricultural enterprises in China.The first part is the introduction.This part mainly expounds the research background and significance,the current research situation in this field at home and abroad,and introduces the research ideas,methods and innovations of this paper.The second part is the definition of related concepts and theoretical basis.This part mainly focuses on the explanation of relevant professional terms about the chattel mortgage financing of small and medium-sized enterprises involved in agriculture,and systematically expounds the relevant theories of the chattel mortgage financing of small and medium-sized enterprises involved in agriculture,such as risk identification,risk assessment theory,etc.The third part is the analysis of financing conditions and environment of chattel pledge of small and medium-sized enterprises involved in agriculture.This part systematically studies the development status and capital situation of small and medium-sized enterprises involved in agriculture in Horqin area of Inner Mongolia Autonomous Region,and analyzes some opportunities and challenges in Chattel pledge financing based on multiple angles.The fourth part,the risk analysis of the chattel mortgage financing of small and medium-sized enterprises involved in agriculture,this part summarizes the risks and typical characteristics of this financing mode.The fifth part,this part takes the Inner Mongolia Horqin living cattle as the case,constructs the financing mode of the small and medium-sized enterprises involved in agriculture,and puts forward the specific implementation plan.In the sixth part,based on the above analysis of the risks of chattel mortgage financing of small and medium-sized enterprises involved in agriculture,this part puts forward corresponding countermeasures and suggestions based on three different levels.The paper considers that,taking the enterprises of Inner Mongolia Horqin living cattle as an example,it analyzes the operation mode,conditions,framework and process of financing products of chattel mortgage financing,puts forward the supervision mode and relevant operation process,analyzes the weak links in the operation risk management of chattel mortgage financing,and puts forward the corresponding countermeasures to improve the chattel mortgage financing of small and medium-sized enterprises.In addition,according to a large number of previous literature reading and research,there are three types of typical risks in the current domestic and foreign chattel pledge financing mode: loan enterprise risk;loan bank risk;third-party chattel supervision company risk.As for credit risk control,this paper puts forward a set of countermeasures and suggestions on the supervision mechanism of chattel mortgage financing,which is conducive to avoid the credit problems caused by bank loans,so as to provide a reference for further optimizing the chattel mortgage financing business of small and medium-sized agricultural enterprises in China.