The Bank Financial Credit Support For Agriculture Enterprises Policy Research

On the basis of the deepening adjustment of economic structure in China under the new development of agricultural products processing enterprises, mainly displays in:agricultural enterprise quantity has increased dramatically, enterprise processing products expanding scale, and constantly improve the management benefit, at the same time the construction, operation and management ideas and interests of the brand benefit coupling mechanism is also great changes have taken place, but not enough perfect, there are industry foundation is weak, development scale is not big enough, the transformation of agricultural products processing efficiency is low. The bank as the only first-class agricultural modernization policy Banks in support of the agricultural products processing enterprises play an important role on the opportunity, but each have their own leading enterprises in the agricultural products processing industry characteristics, regional advantages, management structure and existing defects, the bank loan admittance standard of agricultural products processing enterprises audit strictly, in according to the policy support under the premise of the leading enterprises in the agricultural products processing, and to safeguard the bank loan risk minimization, to set up there are certain limitations of the businesss.This paper first introduces the research background, the relevant literature, the research content and research significance, the second to agricultural enterprises financing problem from three aspects to carry out the research. Introduced the our country agriculture, basic characteristics and the development situation of small and medium-sized enterprises financing situation, pointed out that the main cause of agricultural enterprise financing difficulties is the insufficient macro environment influence, the enterprise itself, and the shortcomings of the financial system; Then analyzed the theory basis for the development of agricultural policy bank support agricultural enterprise, adopt the method of comparative study, proposes our country agricultural policy bank in agricultural small and medium-sized enterprise financing should play to the role of the three aspects, and find out the factors that affect the bank role play; Finally, the article puts forward some countermeasures to further give play to the role of agricultural policy bank, mainly to build support for agriculture policy Banks sound environment for the development of small and medium-sized enterprises, perfect the function of agricultural policy bank and the bank should actively research based on the agricultural small and medium-sized enterprise financing credit technology, etc.This article possible innovation point is that for the first time, support for agriculture policy Banks agricultural small and medium-sized enterprises of the problem of the different levels of the theoretical basis and system research, proposed the agricultural policy bank in three major role on the agricultural small and medium-sized enterprise financing, and play that role on how to put forward the corresponding countermeasures and Suggestions.