Financial Development Of Regional Farmland In Post-agricultural

With the national economic development and accelerating of the modernizationprocess,unified rural and urban development.Solving the problem of the "ThreeAgriculture",which plays an important part in building a moderately prosperoussociety.Promoted the construction of a new socialist countryside.In order to achieve this goal,wemust to consider the urban and rural development completely.Most rural areas of agriculturaldevelopment has lagged behind the others in our country,because of the natural conditions andhuman reasons makes quiet parts of idle farmland,a large number of labor force outflow,and thelack of investment of production materials.There are still existing many similar problems,whatcausing a significant reduction in farmland productivity.In Shandan County,Zhangye City,wherepromoted actively in the transfer policy of Land Contract Management Rights,greatly musteringthe enthusiasm from farmers for production,improving the farmland productivity,and increasingfarmers’ income.It`s promoted a construction of the new socialist countryside,however, at thesame time,there still exists some questions that have not solved.The paper studies based on thefarmland contract management rights of circulation about Shandan County`s current situation,viamaking questionnaire survey of the farmers,then gained the first-hand information.By analysisthe financial needs of farmers and the supplement conditions of the present financialinstitutions.Established a statistical model to analyze the main factors affecting the financing offarmers.Through analyzed the survey of supply conditions in financial institutions,to find thecontradiction between supply and demand,in order to search a better way to connect farmers’financial needs with supplement of financial institutions.The conclusions are as follows：（1）As the main force of rural credit cooperatives,it did not exert its effect to supportagriculture, and the financing of agricultural role until now,result a considerable number of Civilself-borrowing are still here; due to the application for a mortgage of farmland is higher,andsome farmers did not have the Suitable conditions of the collateral,it makes harder for office tobuilt an effective agricultural production and expansion of reproduction.This phenomenonprovided a favorable condition for the non-formal civil financial institutions,then,it hindered theimprovement of farmer’s living standards and the healthy development of the rural economy.（2）When facing the complex financial needs,there is also a large number of farmers have the problem of Loans harder, financial institutions have not take full advantage of theirenthusiasm and initiative until now,also they have not put their own interests combined with thevital interests of the broad masses of farmers.So they can not make a flexibly respond to thefinancial needs in different ways,either hand out the Rural land mortgage to farmers in time,allabove these have Lead to miss the best timing of agricultural production.（3）Because of rural financial institutions lack of effective supervision to guarantee ahealthy financial institutions and effective operations.So,while under the supervision andmanagement of the CBRC in financial institutions,strengthening the supervision of localgovernments and farmers to financial institutions.Promoting the financial institutions to work inbusiness innovation,the level improvement of service and innovation the concept of managementmodels,helping them do better in self-monitoring and improvement of Financial institutions.（4）We should develop the farmland and financial business in appropriated ruralareas.Some farmland financial organization should be established by the Government.Using theeffective using right of farmland contract by farmers as collateral to obtain funds for theproduction and life,for the purpose to promote a better agricultural production.Under the mutualsupervision of the local CBRC,rural cooperative situations and farmers, hoping to do so can helpthe farmers to repay loans on time.The specific financial business are completed by the localfinancial instituations.Through these methods to solve the problem that lack of funds inagricultural production,such as lack of agricultural production funds and agriculturalinfrastructure and agricultural resources,and the way of Collection of funds is too single.