Research On The Agricultural Financing Of Cooperation Model Of "Government-banking-guarantee" In Hubei Province

Since Economic Reform and Open Up,China’s agriculture has maintained rapid development,and agricultural productivity has been continuously improved.With the development of agriculture in China,the demand for funds by agricultural entities is also expanding,but due to the high investment requirements for infrastructure in the process of agricultural management,and the agricultural production process is greatly affected by natural conditions,the early stage of agricultural production The nature of high investment and high risk.This also led to the problem of "difficult financing,expensive financing,and slow financing" as an important factor restricting China’s agricultural development.In order to solve the financing problems of the " Agriculture,rural areas and farmers " and "small and micro" enterprises,Hubei Province actively explored and introduced the " Government-banking-guarantee " cooperation model."Government-banking-guarantee " model uses government credit to increase credit for " Agriculture,rural areas and farmers " and "small and micro" enterprises,and at the same time alleviates the risk pressure of financing guarantee institutions through the shared risk of government,banks,guarantee institutions and reguarantee groups.Although the "Government-banking-guarantee" model can effectively solve the agricultural financing problem,as a newly introduced secured financing model,the "Government-banking-guarantee" model is not a perfect model,and it may also cause a series of problems in its operation.Such as it is difficult for some local governments to continue to participate in the "Government-bankingguarantee" project,some banks have low enthusiasm,and the function positioning of policy financing guarantee institutions is not clear.Therefore,we should conduct an indepth study on the operation mechanism,development situation,existing problems and causes of the "Government-banking-guarantee" model in Hubei Province,and then put forward some optimization suggestions to improve the "Government-bankingguarantee" model.In this paper,through the literature analysis method,case analysis method and comparative analysis method,an in-depth analysis of Hubei Province’s new " Government-banking-guarantee" model.This paper first combs and analyzes the relevant literature of the credit guarantee industry,then briefly describes the development of the new " Government-banking-guarantee" model in Hubei Province,and analyzes the possible problems,and finally combines foreign experience in agricultural financing guarantee,Put forward suggestions on how to improve the new model of " Government-banking-guarantee" in Hubei Province.It contains the following six chapters: The first chapter is the introduction.It mainly introduces the research background,research significance,review of relevant literature at home and abroad,research ideas and research methods,etc;The second chapter is the theoretical basis.It mainly summarizes the definition,development process and definition of government financial institutions of the "Government-banking-guarantee" model,and summarizes the rural financial theory and policy financial theory,which lays a theoretical foundation for subsequent research;The third chapter is the status quo of the development of a new model of "Government-banking-guarantee" in Hubei Province.Mainly discusses the operation mechanism of Hubei province’s new "Governmentbanking-guarantee" model,and the overall situation of development,and introduces the situation of financing guarantee institutions with Hubei agricultural guarantee institutions as cases;The fourth chapter is about the problems existing in the new model of "Government-banking-guarantee" in Hubei Province.It mainly summarizes the problems that may exist in the operation of the new "Government-banking-guarantee" model in Hubei Province;The fifth chapter is a reference for foreign agricultural financing guarantee model.It summarizes the characteristics of the agricultural credit financing guarantee of the United States,Japan,and Bangladesh,and summarizes the experiences that can be used for reference.;Chapter 6 is a proposal for further optimizing the cooperation model of “Government and Bank” in Hubei Province.