Research On Financial Support Of Family Farm In Xinbin Branch Of China Postal Savings Bank

In 2013,the first document of the Central Committee put forward the concept of "family farm" for the first time.Since then,family farms have sprung up in China’s vast rural areas.The family farm with its scale,specialized,intensive,commercial mode of operation,to better meet the basic requirements of the development of modern agriculture in China,in line with China’s national conditions and social economic development,to better promote the development of agricultural modernization.However,in recent years,the development of the situation,the shortage of funds has become one of the most important factors restricting the healthy and sustainable development of family farms,family financial support to solve the problem cannot be slow.Postal Savings Bank of China is the largest financial institutions in the business outlets,its outlets all over the city and countryside,can effectively solve the family farm financial support last mile problem.Can effectively study of the postal savings bank family farms financial support can effectively solve the financing problems of family farms in China,can effectively promote the sustainable development of family farms in China,and even to solve the rural financial problems can get beneficial enlightenment.This paper selects the Fushun city of Liaoning Province Xinbin County family farms financial support as samples to carry out research at home and abroad for reference family farms related research results,summarized the family farm financial support mode,based on the status quo,full investigation of Xinbin County family farm supply and related financial support policies on the situation,combined with the postal savings bank the new branch of the existing family farms financial supportpractice,put forward the postal savings bank branch Xinbin family farms in the direction of financial support and strategy.In this paper,the current situation of the development of family farms in Xinbin county are analyzed,based on the analysis of the existing 350 family farms to carry out large data management,research on the development trend of the comparative scale,found that the family farms in Xinbin county are still in the development stage;based on the analysis of the status quo of Xinbin family farms,further analyzes the financial demand and supply the demand for capital,family farms throughout the project management,and the supply of funds in the commercial banks and rural outlets is obviously inadequate;in the existing support policies are not sufficient,the new family farms management is difficult.Especially in terms of access to financial support from their family farm operation mechanism is not perfect,lack of effective collateral,coupled with the impact of relevant financial institutions lack of credit products and other factors,the family farm access to the formal financial support of the low success rate,private lending to solve the financial problems of individual farmers,even at the high cost of financing to obtain usury funds from the company.Financing costs are generally higher,further exacerbating the profit margin of the family farms are very low operating dilemma.It can be said that the operation status of Xinbin County family farm is a microcosm of the overall situation in China in the family farms,to ensure the healthy development of the fledgling new agricultural business entities,it needs to be improved in many aspects of policy support,financial support and its mechanism construction.Especially in the lack of financial support,has become a major obstacle to the development of family farms continue to move forward.To effectively solve the financing problems of family farms,the base of the gradual improvement of the family farms operation mechanism,the government must complete the policy support;the postal savings bank will be innovated in financial service mode.Only in the family farm itself operating mechanismgradually mature,the government policy measures,service innovation of financial institutions in place,Xinbin County family farms to get healthy and sustainable development.