Research On Current Situation,Problems And Countermeasures Of Family Farm Financing In Chengdu

Family farm,as a significant agricultural scale management mode,has developed rapidly with the support of central and local governments.But,family farm also exposes more and more problems in the development process,and the financing problem has become the main obstacle to its further development.As one of the pilot cities of urban and rural reform,Chengdu has issued a series of supporting policies,but most of the farms are still facing financing difficulties.Therefore,based on the survey data of 203 farms in Chengdu,this paper analyzes the problems of family farm financing in Chengdu,in order to provide some countermeasures and suggestions.In the course of the research,this paper makes a scientific definition of family farm and its financing concept by combing the domestic and foreign research on family farm financing,and establishes the theoretical basis for this paper.Second,the financial products provided by financial institutions cannot meet the financial needs of family farms.Third,the service of the mortgage of farm property is not advanced enough,and it is difficult for family farms to obtain financing through the mortgage of farm property.Fourth,the limit and term of loan are limited,that is,the existence of credit rationing in financial institutions makes the capital demand of Chengdu family farm unsatisfied.This paper points out that if Chengdu family farm wants to improve the success rate of financing,it needs to start from the following aspects: First,improve the ability of family farm financing,improve the comprehensive quality of family farm staff,and train their financial management ability.Secondly,in terms of financial institutions,rural financial service system shall be perfected,agricultural products involved in financial institutions shall be innovated to meet the financial needs of family farms,and a farm credit evaluation system shall be established in combination with all districts and counties.Third,improve the supporting facilities for the mortgage of rural property rights,establish a district/county platform for the mortgage of rural property rights,train professional assessors,and promote the appraisal of rural property rights.Fourth,optimize the rural credit rationing system,increase the input of credit funds of rural financial institutions,improve the matching degree of credit line and credit period to the family farm funds demand,prevent and guard against credit risks of rural financial institutions.Hope that through this study of family farm financing in Chengdu,family farm financing can provide an effective solution.