Agricultural Management Main Body Research On Financing Dilemma And Its Influencing Factors

With the promotion of agricultural modernization transformation,the national central"No.1 document" for five consecutive years has proposed to support the development of new agricultural business entities,and Puyang City’s new agricultural business development is in the primary.The main body of the new agricultural operation is mainly supported by the household contract management system.It has a large scale of land,a high level of intensification,a strong competitiveness in the market,a scientific organization and management system,and its development goal is to realize agricultural modernization.The new agricultural operating subject deepens the organization degree of farmers,improves the level of rural financial services,and promotes the increase of agricultural income,but there are many problems in the development of the new agricultural operating subject,among which the financing difficulties of the new agricultural operating subject need to be solved.Based on the theory of farmer’s behavior,the theory of agricultural credit subsidy and the theory of rural financial market,this paper studies and reviews the literature related to financing of new agricultural operating entities at home and abroad by literature review method,and defines the concept and composition of new agricultural operating entities.Through the method of field research and interview,the author made an in-depth understanding of the financing situation of the new agricultural operating subject in Puyang City,sorted out the current financing situation of the new agricultural operating subject in Puyang City,analyzed and summarized its financing problems.And put forward corresponding suggestions to solve the problem.By analyzing the current situation,problems and reasons of the new agricultural operating entities in Puyang City,this paper summarizes the following conclusions:First,the financing needs of the new agricultural operating entities in Puyang City cannot be effectively met,especially the leading enterprises in Puyang City,whose financing satisfaction degree is the lowest.Secondly,the service quality of financial institutions in Puyang City is relatively low,the rural branches of financial institutions are scattered,and the loan threshold and interest rate of financial institutions are high,the product is simple,and the risk is imperceptible,which has certain restrictions on the financing of small and medium-sized new agricultural operation.Due to the weak nature of agriculture and the avoidance of rural financial markets by most financial institutions,the financing channels of the new agricultural operating subjects become narrow,and it is difficult for the new agricultural operating subjects in Puyang city to obtain the services of financial institutions.Third,under the circumstance of limited funds,it is difficult for Puyang City government to improve the financing situation of new agricultural operating entities only by relying on policy support.Therefore,this article from Puyang new agricultural management main person in charge of their own to improve the comprehensive quality,construction of characteristic agricultural industry to increase profitability;Financial institutions should expand agriculture-related financing channels,develop new financial products and develop agricultural industry chain finance.The business products of financial institutions need to adapt to the development of agricultural products and change flexibly.The government should play a guiding role in financing,strengthen financial support to improve the enthusiasm of the development of new agricultural business entities,encourage participation in agricultural insurance,and effectively prevent the risk loss in the production process;Construct rural credit system,lower the policy threshold of agricultural preferential policies,and create an external environment conducive to financing of new agricultural subj ects.