The Research On The Financing Problem Of New Agricultural Business Entities Under The Background Of Internet Finance

For thousands of years in Chinese society,the small-scale farmer model has always occupied an absolute dominant position in agricultural production and operation.However,after the reform and opening up,the traditional small-scale farmer model has been unable to meet the changing needs of the market economy.Therefore,in the continuous exploration and practice,the rapid rise of new agricultural business entities represented by family farms,farmer professional cooperatives,agricultural enterprises and large professional households has largely released the vitality of rural production.Since the Third Plenary Session of the Eighteenth Central Committee of the Communist Party of China pointed out that the establishment of a new agricultural management system has been accelerated,the central government has issued a number of documents to guide the cultivation of new agricultural management entities,and has repeatedly stressed the leading role of new agricultural management entities in developing modern agriculture.The report of the 19 th National Congress of the CPC also mentioned that clearly cultivating new agricultural business entities is an important part of implementing the strategy of revitalizing the countryside.However,in the growth process of new-type agricultural operators,they will always face various problems.Among them,financing is difficult to become one of the common problems,because the rural production input pattern,which is dominated by farmer inputs,has been unable to meet its capital needs and its own strength.It is difficult to obtain effective financing from the outside,which is not conducive to the long-term development of new agricultural business entities.Therefore,if the issue of financing of new agricultural operation entities is analyzed in the current economic environment,based on the prominent feature of difficult financing,it can focus on innovating financing methods,expanding financing channels,and improving financing efficiency,so as to provide new agricultural operations.The development of the main body provides sufficient funding guarantee to promote the large-scale development of agriculture.In recent years,with the rise of big data and 5G technologies,the application of Internet information technology in the financial industry has become deeper.Internet finance has provided financial market participants with diversified financial products and services,such as big data finance,P2 P credit,and public finance.Financing,third-party payments,online insurance fund sales,etc.With the characteristics of low threshold,high efficiency,and convenient operation,Internet finance is affecting various industries in a subtle way.Among them,the Internet financial financing model has also become a useful supplement for the new type of agricultural operation funds.Therefore,it is of great value and significance to study how the current new type of agricultural operators use Internet finance to solve the financing dilemma and successfully realize the financing of development funds.However,in our country,Internet finance is still a new thing and new concept.While it brings opportunities to the rural financial credit market,it also faces many new challenges and problems.To this end,we should clearly recognize the current status of financing of new agricultural business entities.Based on the characteristics of Internet finance,it actively explores and rationalizes the issue of Internet financial financing.This article takes the traditional financing dilemma of the new agricultural business entity as the starting point,explains the traditional financing dilemma and its reasons one by one,and combines the era of Internet finance to introduce the current three rural Internet financial financing models,which provides new agricultural business entities with financing.New channels have improved efficiency,but their true effects need to be judged in further analysis.Therefore,the author conducted specific investigations on the financing situation of new agricultural business entities in five typical townships in Rong County,Zigong City,conducted questionnaire surveys and interviews on relevant specific issues,fully grasped financing information,and comprehensively evaluated the local new agriculture.An overview of the financing of the operating entities and the feasibility of Internet financing through D-family farms through the "Yilong loan" Internet financial financing case.Finally,on the basis of analysis and induction,the author summarizes the problems existing in the financing of new agricultural business entities in the context of China’s Internet finance,and combines the practical problems from three levels of new agricultural business entities,Internet financial institutions and policies.Proposed financing countermeasures,with a view to providing assistance to new-type agricultural operators in Internet financial financing,thereby promoting the healthy development of new-type agricultural operators,accelerating the construction of new-type agricultural operating systems,and contributing to agricultural modernization and the comprehensive realization of rural revitalization strategies.