| "County Therapeutic world security, the county, the country is rich and strong." Agricultural development and growth of SMEs has become prefectures nationwide consensus. Since the reform and opening up agricultural SMEs Yiyang City gained rapid development. At present, agricultural SMEs have become an important part of the economy of Yiyang City, and for the economic development of Yiyang City, made a significant contribution. Agricultural SMEs can not be replaced with a state-owned enterprise in Yiyang City economy, the role of agriculture to absorb a large number of SMEs in rural surplus labor force, accelerated urbanization construction, and promote the development of technology in their own development process. However, the survival and development of SMEs in agriculture has been facing many problems and difficulties, it is the bottleneck of financing agricultural development of SMEs. How to develop countermeasures Yiyang City agriculture financing to SMEs and to improve the financing environment of Yiyang City, has become an important topic in Yiyang City.In this paper, Yiyang City, agricultural financing as a starting point, combined survey of Yiyang City, agricultural financing problems and the causes are analyzed and the corresponding solutions, and the results for the study of certain specific agricultural financing guidance.Yiyang City agro SME status quo can be described by the following four changes:changes in demand, the financing needs of SMEs from Yiyang City agriculture production to cheap; channel change, agriculture financing channels for SMEs single to multiple financing transformation; transformation period, short-term loans to small and medium enterprises can not meet the needs of agriculture, Yiyang City, the demand for long-term loans of increasingly strong; the number of changes, large loans from microfinance to change.Yiyang City, agricultural financing difficulties mainly in the following aspects: the total amount of financing supply shortage, increase agricultural financing needs of SMEs in Yiyang City every year, but the total supply of financing Yiyang City really can not meet agricultural SMEs demand; financing channels narrow, limited loans from financial institutions and small channels Yiyang City financing amount; financing single, four ways endogenous financing, bank loans, non-formal financing and equity financing and other agriculture-related small and medium enterprises is Yiyang City the main financing; high financing costs, higher financing costs Yiyang City agro SMEs; scale polarization increasingly clear that medium-sized agribusiness agribusiness financing small micro financing easier and more difficult difficult Trader trends are becoming more pronounced. To solve the above problems and draw some conclusions points:first from the standpoint of their own to change the traditional business model, reduce the debt ratio, positive communication among financial institutions, improve the financing plan and increase internal financing; Externally, the government actively communicate, participate and financial institutions interaction and strengthen relationships with internal and external agencies through a combination of lower financing costs. While financial institutions and government should work together to establish reasonable apply to agricultural SME credit management system, establish a new financing model abundant financing and the strengthening of the role of government macro-control to support agricultural SMEs. |
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