Research On Mode Of Finance Lease In Agricultural Machinery And Tools

With the acceleration of rural land circulation and countermeasures, agriculture transforms from the traditional decentralized managements to the combination of reduction, specialization,organization and socialization that is new operating system.The financing demand of the agricultural machinery and tools is increasingly strong. Compare financing lease of agricultural machinery and tools than the bank loans, the procedure is more simple, the amount of financing has less restrictions, the way of repayment is more flexible, the period of repayment is longer and so on, these advantages make financing lease of agricultural machinery and tools become a convenient financing channel.In order to make full use of financing lease and help agriculture march towards modernization, the government issued several times to encourage and support the development of financing lease of agricultural machinery and tools. But from the reality of the development, the financial support for agriculture is "Best game no one played". There exists many problems such as suppliers of financing lease are less, the enthusiasm of suppliers is not high; leasing scale is relatively small, effective demand can not be met. Therefore, this article researches the mode of financing lease of agricultural machinery and tools, and explores the relationship between the current defects of mode and slow business development, and puts forward the suggestions to promote development. It is of great practical significance for promoting rapid and health development of the China’s financing lease of agricultural machinery and tools.This article is based on related theories, firstly, overview present development situation and existing problems of the China’s financing lease of agricultural machinery and tools, and induces the current mode of financing lease of agricultural machinery and tools. And this article points out that the current mode exist many defects such as there is absence of government, participation of the insurance and guarantee are insufficient, form of the lessee is single, then explores the causes of defects. Secondly, in order to seek enlightenment for optimizing the mode of the China’sfinancing lease of agricultural machinery and tools, this article analyzes foreign development mode of financing lease of agricultural machinery and tools. Thirdly, combined with the specific situation in our country, this article draws lessons from the progressive measures of developed nations and developing nations, in order to play the main role of government, insurance companies,bonding companies that are the third party subject, and prompt the transaction between lessee and lessor smoothly, this article designs optimization mode of financing lease of agricultural machinery and tools from the perspective of expanding market participants, so as to solve the problems that the lessors are less willing to supply and effective demand of the lessees are not satisfied. Finally, in order to offer related subjects the references for decision-making, this article also puts forward suggests to ensure effective operation of the optimization mode of the agricultural machinery financial leasing from policy, system, market point.