Feasibility Study On Financing Of Family Farm In Xuanfeng Town Of Luxi County

Family farm relies on family members and is characterized by large-scale and intensive operation of agricultural production.It is an important form of micro economic organization with relatively high degree of commercialization of agricultural products.And it is also one of the main form of modern agricultural production in China.However,due to the agricultural production and operation owes the characteristics of large investment in the early stage and slow repayment in the later stage,it needs a certain financing reserve to support the operation and development of the organization.Thus the financing problems exposed by the family farm operation have attracted more and more attention.The "Political-Financing-Insurance" project gives full play to the advantages of government organization and coordination,which integrates the main resources of the government,enterprises and financial institutions,to create financing services for family farms.Through an in-depth investigation on the production and operation activities and financing willingness of family farms in Xuanfeng Town,Luxi County,Jiangxi Province,this study analyzes the main problems in the operation process of family farms,such as weak financing awareness,single financing products,poor financing environment,etc.This study also establishes the credit evaluation index system of family farms combinedwith the "Political-Financing-Insurance" project.And AHP-FCE method is applied to comprehensively evaluate and analyze the financing feasibility of 18 family farms in Xuanfeng town.According to the evaluation results,it puts forward the following suggestions: set up the range of financing flexibility and provide a variety of mode options strengthen the dynamic monitoring of financing,improve the risk control mechanism of financial support,improve the mechanism of interest linkage and sharing,and strengthen financial services such as rural financial educationBased on the feasibility of "Political-Financing-Insurance" financing of PICC,this study provides a practical way to solve the problem of "difficult and expensive financing" for family farms.which is replicable and can be used for reference for other similar agricultural insurance.