The Research Of Family Farm’s Financing Services Problems

At present, the family farm, which is the important part of Chin (?)al economy, plays a substantial role in the process of developing agricultural industrialization, driving rural economy, increasing farmers’ income and promoting the urbanization reform. But serious capital bottleneck greatly restricts the development of the family farm, to in-depth study of the financing difficulties is of great significance for the family farm. As it not only can effectively eliminate the obstacles of funds, will also be able to change the other restricting factors such as land, talents, facing in the developing of the family farmThe paper uses the relevant theory of Marxist economics and Western economics for theory reference. Firstly, the paper defines the related concept of the family farm and family farm financing. Then, the paper constructs a simple financing supply and demand unbalanced coordinate figure by using financing price for variable, through surveying and estimating the family farm’s financing demand, analysis of the supply, using graphic description and theory analysis. And the paper carries on the thorough analysis of the cause, through agricultural banking financial institutions’ cost and profits, family farm’s hard and soft constraints and the financing service lacking of supporting mechanism. Finally, the paper puts forward the proposal from improving the family farm’s financing terms, innovating agricultural banking financial institutions’ financing services, improving macro environment, using the United States, France, Japan for family farm financing service experience for reference.