The Financial System Of China's Agricultural Land And Exploration,

This dissertation focuses on the building of farmland financial institution in our country. The bask thought of the dissertation is: based on the theoretical framework of interactive relationship between farmland finance and rural economy, the dissertation analyzes current situation and existing problems in the building of farmland finance institution. Then it analyzes the cause of the existiog problems before. After learning from the lessons of developed countries and area, it has explored and construct farmland financial institution in our country, including organizational framework and operational mechanism. Finally, it put forward overall thinking of the dilemma and difficulties, then give some corresponding suggestions.1. Basic conclusion in the thesis(1)The farmland finance is closely related with rural finance and development of rural economy. The relation of farmland finance and rural finance is as follows: firstly, the farmland finance system prospers the financial market, and it is a new growing point of rural financial market,. At the same time, a healthy rural financial market is the important insurance that the farmland monetary system pursues smoothly. Secondly, the farmland financial institution is the foundation of agricultural insurance and rural insurance, and the rural insurance has effectively promoted the construction of the farmland financial institution. Thirdly, Setting-up and implementation of the farmland financial institution have advanced construction and completion of the rural social security system, meanwhile, the complete rural social security system advanced construction and development of the farmland finance favorably, and offered the essential guarantee for farmland financial institution. The relation of farmland finance and rural economy is as follows: first of all, an effective farmland financial institution can solve the problem fund which perplexes our agricultural development by raising the social fund extensively through the secured loan of land. Then, the farmland financial institution will promote circulation of the farmland in order to realize the rational distribution of the land resources, and help to improve the intensify operation of agriculture. Thirdly, farmland financial institution will change the behavior of farmers, promote the agricultural operator to change the type of operation, expand fund to accumulate, and realize the appropriate scale of operation. At last, farmland financial institution also is a very important content of the agricultural protective policy of our government, at the same time it also needs t rational macro regulation of our government.(2) The farmland financial institution of our country has its particularity. It is mainly shown as is following: the organizational institution of farmland finance is shareholding system instead of the cooperative system; the pledge of the farmland finance of our country is the usufruct of the land, instead of ownership; in capital source, it mainly depends on the state finance, and fail to issue the land bond, so the fund is seriously insufficient.(3) The article proposes the construction scheme of the farmland financial institution. Under the current condition, Chinese Agricultural Development Bank and Rural Credit Office are the best organizations which will bear financial transaction of farmland. The operating mechanism is as follows: farmers who want to get loan from the farmland financial organizations file an application to loan handle place of rural credit office, enclose a land contract and a plan which is about how to spend the money, then register on the books, engage the experts or intermediary to assess the land. After that, loan handle place examine the money project together with the administrative department according to the opinion of experts or intermediary. If the money project is feasible, loan handle place sign and guarantee on the application, then deliver files such as application, assessment report, etc. to" secured loan department of farmland usufruct " of the Chinese Agricultural Development Bank. If it is feasible, the loan is given to farmers and both sides sign the loan contract which regulate loan rate, amount of money, time limit, liability for breach of contract, etc.(4) The thesis has also analyzed the difficulties in the construction of farmland financial institution of our country. Firstly, our country hasn't set up land evaluation system, credit assurance system and credit evaluation system yet. Secondly, there are many obstacles in issuing rural land bond. Thirdly, there are many problems such as social security of farmers.2. Main innovation in the thesisThis thesis is characteristic of the research method. A suitable scheme of constructing our farmland financial institution is put forward through drawing lessons form developed countries about experience of farmland finance. The new meaning herein lies in choice of the problem at first. Secondly, new meaning lie in construction of farmland finance institution. At last, the thesis has put forward some countermeasures and suggestions of solving the difficulties.3. Some proposals put forward in the thesis(1) To reform the type of farmland operation and foster market of the rural land circulation. In order to construct farmland financial institution, besides reforming type of land operations, we must promote farmland usufruct to circulate rationally, cultivate and develop farmland intermediary service organization, which is the system foundation of constructing our farmland financial institution. (2) To combine the Chinese Agricultural Development Bank and Rural Credit Office, then reform and improve the current rural cooperative monetary system. First of all, we should give full play to credit office of the rural cooperative function in the rural financial market of, define its cooperative finance's essence, and focus on serving famer household's loan to support the development of rural economy. Secondly, we should strengthen the management of rural cooperative financial institution and reduce the business operation risk.(3) To strengthen the construction of terms related to the farmland financial institution. First of all, a standard and national-wide land appraisal system should be set up scientifically. Secondly, we should set up effective credit assurance system. What's more, we should perfect the system of credit rating.(4) To perfect the rural social security system. Rural security system is sound, also play the role of sharing the social risk of farmland financial institution.(5) To strengthen the government's support to farmland financial institution. On one hand the government should make the complete law about farmland finance. On the other hand, the government should set up effective compensation mechanism to farmland financial institution.