Study On The Financing Mechanism Of Farmers In The City Of Luoyang

In recent years, the party and the country have attached great importance to agricultural development. Over the years the General Assembly "No.1" file must be related to agricultural development. However, in the practice of agricultural development, the shortage of funds has seriously restricted the development of the agricultural economy and agriculture financing are also affected by difficulties. Henan is a major agricultural province in China. Henan development of agriculture and the problems encountered, which is a microcosm of China’s agricultural development. Therefore the research of Henan Agricultural financing mechanisms has a high practical significance and realistic significance.To build the Central Plains Economic Zone and raise the Central China, we must first realize the grand goal of Henan Agricultural restructuring and modernization of agricultural development. The priority is to solve the problem of financing of Henan Agriculture. About the financing difficulties of Henan Agricultural Development, previous studies mainly analyzed from two aspects:one from the farmers’own financing which does not meet the collateral requirements of financial institutions;the other one from the point of view of financial services institutions, where are financing high thresholds.This paper argues that these two aspects are of course extremely important factor in the Henan Agricultural financing and can solve some specific problems. But in order to fundamentally solve this problem, it should fully consider the characteristics of Henan Agricultural financing, Henan social and economic development agricultural market, and establish the basis of the status quo. Before financing practice, a bank-oriented financing mechanism has been established, however, according to the present situation, such a mechanism must be adjusted and break the bank-led agricultural financing bottleneck. The best idea is to adapt to the market economic system characterized by market-oriented financing mechanisms.Recently, Luoyang has conducted agricultural development with a number of useful attempts and achieved some success. To sum up, the traditional family of a "small-scale" agricultural business model changes to modern intensive, scale and ecological agriculture development mode transition. However, due to the terrain, location and other characteristics of Luoyang, the current and future agricultural business model will continue to farmers business for a long time. In this paper, suitable Luoyang City of agricultural financing characteristics and the development of socio-economic status of composite agricultural financing mechanisms should be established with Luoyang City-based agricultural development in this situation. At present, because of Luoyang agriculture to farmers’ management for a long time, and thus, the main focus of the study point is the analysis and discussion of farmers set of financing mechanisms. This new mechanism must meet three objectives:First, to help farmers achieve scientific and financing decisions; Second, to establish a sound financing risk prevention system for the farmers; Third, to optimize the financing environment of farmers.According to the new financing mechanisms target and around the complex farmers financing mechanisms, the overall arrangement of the paper include the following chapters.Chapterl:Introduction. The Introduction section discusses the research background of this paper, the significance of the topic and research purpose. From two aspects of outlines, it tells the research status in this chapter. Then it talks about research ideas, research methods, content and innovation.Chapter2:Listed out and elaborated the theory farmer financing mechanism. It simply defines the basic framework for the farmers finance concepts and farmers financing mechanisms.Chapter3:The Luoyang farmers finance survey data were analyzed. The paper analyzes around Luoyang City and southern mountains of the 12 counties of the 1150 investigation by farmers’financing situation, and draw the appropriate survey data, and to give the data analysis of some practical problems that exist in the current Luoyang farmers financing.Chapter4:Try to explore new farmers financing mechanisms suited to the characteristics of agricultural development in the current circumstances and the establishment of Luoyang. New farmers financing mechanisms around the scientific farmer financing mechanism, to improve the farmers finance and risk prevention, optimization of several key aspects of the farmers financing environment, trying to sketch out the framework of the composite farmer financing mechanism, financing to farmers as the main market mechanism as a means of innovative financing methods as the core, and gradually establish a new agricultural financing mechanism suitable for the Luoyang agriculture development characteristics. Chapter5:Summary. Summarize the conclusions of this paper and introduce the next step research.