Research On The Innovation Of Rural Financial Service Model In Heilongjiang Province Based On The Modern Agriculture Development

Under the background of "Two Great Plains" national strategy,the State Council start to carry out the comprehensive reform of modern agriculture.Heilongjiang Province was identified as the country's major pilot area of agricultural reform.Heilongjiang Province keep in the country's leading position in agriculture development,and process the necessary advantages of developing modern agriculture.It has formed advanced business pattern,including modern organization such as large planting famer,domestication farm,agricultural cooperative and the leading agricultural enterprises.Heilongjiang has been developed standardized and scaled production mode,keeping industrialization as the leading operational system.The new agricultural business entities deepen the degree of agricultural organization and promote average income.But there are many problems in the development of new agricultural business entities.The contradiction of rural financial service model and modern agricultural development is a tough issue.Therefore,this paper sorts out the domestic and foreign research on the development of rural financial service,and define the concept of modern agriculture and rural financial services and the model innovation.Combining with the actual situation,this research analyze the rural financial service model to support the development of modern agriculture.With the help of financial innovation theory,rural financial market theory,imperfect competition theory and transaction cost theory,this research use multiple linear regression model to do the empirical research.The relevant factors come from the following aspects:economic status in rural area of Heilongjiang Province,the living standard of rural entity,the supply of financial institution,the asset investment,rural credit information,financial support for agriculture development and agricultural production costs.Then,based on the effect of rural financial services in different rural business entities,this paper create new rural financial service model in Heilongjiang province:(1)put forward the organized cooperative mode to solve the problems of credit guarantee for small rural business;(2)use joint order agriculture mode to solve the financing problem of medium scale agricultural operators;(3)create the mode of agricultural industry chain to solve large scale agricultural enterprises for rural financial services.Based on the innovation of rural financial service model,this paper improves the level of rural financial service and the agricultural modernization in Heilongjiang province.And this also provides reference to the financial support in the development of modern agriculture.Finally,in order to ensure the effective operation of the financial service model,this paper put forward the corresponding guarantee measures from policy and system level:(1)improve the agricultural insurance system;(2)strengthen the government's guidance and support;(3)improve the rural financial environment.In conclusion,this research provides theoretical support for the policy-maker to promote the rural finance under the development of modern agriculture.