Xintai Agricultural Business Entities Participating In "Shandong Agricultural Loan" Study On Influencing Factors

The problem of agriculture and farmers has always been the fundamental problem of China’s development.With the development of society,the mode of agricultural production has changed significantly and gradually changed into a large-scale,modern and professional mode of agricultural production.The transformation of agricultural production mode requires the agricultural business entities to have the conditions of agricultural product processing technology,operation and management ability,financial strength and so on.However,modern agriculture has the characteristics of high risk.Most of the agricultural business entities lack collateral,which can not meet the loan conditions of financial institutions,resulting in the inability of financial institutions to continuously and stably support agricultural production and operation,and it is difficult for the agricultural business entities to expand their scale through rural financial services Financing needs needed to improve processing capacity and operation and management level.In the context of the new era,according to the requirements of promoting the Rural Revitalization Strategy,only industrial revitalization can the rural economy flourish,and the development of industry is inseparable from financial support.In order to solve the problem of agricultural financing,guarantee is considered to be an effective way to solve the difficulty of agricultural loans in China.The funds required for agricultural development are mainly provided by formal financial institutions such as banks.The loan business required in agricultural production and operation activities needs the guarantee of agricultural credit guarantee institutions to guide formal financial institutions to invest funds in agriculture and rural areas and alleviate the difficulty of agricultural financing.With the implementation of Rural Revitalization throughout the country,relevant financial support policies supporting "agriculture,rural areas and farmers" have been issued one after another.Especially in recent years,China’s relevant policy guarantee loan documents have been issued one after another,and the agricultural financing guarantee system has been gradually improved.However,there are still various imperfect problems in the actual operation process,which will affect the process of building and improving the agricultural financing guarantee system in China.Under the background of comprehensively promoting rural revitalization in the new era,by studying and thinking about the research of experts and scholars on the agricultural financing guarantee system,combing the relevant theories of domestic and foreign scholars in the construction of agricultural financing guarantee system,and understanding the construction process of China’s agricultural financing guarantee system and its operation mode selection,function play,operation effect,etc.Taking Shandong Agricultural loan Xintai office as the main research object,this paper explores the development,effect,typical experience and practices and problems existing in the operation of “shandong agricultural loan”,analyzes in detail the factors affecting the agricultural business entities to obtain the guaranteed loan of“shandong agricultural loan”,and puts forward feasible countermeasures and suggestions according to the existing problems,so as to provide reference and thinking for further expanding the business of “shandong agricultural loan”.Through the data on the business development of “shandong agricultural loan” obtained from the internship in Shandong Agricultural loan Xintai office,as well as the field visit survey and relevant data sorting of 20 townships in Xintai City,it is found that there are weak digital informatization of agricultural guarantee,imperfect operation mechanism of agricultural financing guarantee system,and obvious differences in business development in different townships Business coverage is relatively insufficient.At the same time,the influencing factors affecting the business availability of “shandong agricultural loan” are analyzed in detail.At present,the business of “shandong agricultural loan” in Xintai City should focus on expanding the number of businesses and balancing the business structure.We should constantly innovate working ideas,strengthen the digital construction of the company and do a good job in risk prevention and control,so as to ensure the continuity of policies.Through the investigation and research of this paper,we hope to improve the business volume of "Lu Danhui agricultural loan",help more agricultural business entities alleviate the financial problems required for the development of agricultural industry,and promote the revitalization of rural industry.