Research On Facility Agriculture Financing Mode Based On Collateral Innovation

Facility agriculture is an important Industrial pattern of modern urban agriculture,relating to many essential factors,such as the property right or usufruct of the land?investment funds?professional technology and labor,etc.It has the characteristics of capital?technology?labor intensive and high output efficiency.At present,from the construction of modern agricultural facilities,the investors of facility agricultural require a large amount of continuous capital investment;they can not completely solve the huge funding gap relying on its own funds.If they want to obtain financial support through financial institutions,they are often faced with complicated procedures,in addition to their own good business flow support,but also enough collateral;The loan amount is lower than expected and the funding cycle is generally longer;Based on the above background,the first part of this paper is to determine the research direction according to the research status at home and abroad,which focus on the innovation of the collateral;The second part introduces the related financing theory about facility agriculture,involving the basic concepts of facility agriculture and financing,the development trend and financing situation of facility agriculture in China,introduces the relevant policies of financial supporting agriculture and the standards and innovation of mortgage in the credit activities;The third part briefly introduces the two financing model based on the agricultural infrastructure construction supporting by the government public resources and the basic agricultural facilities built by the facilities agriculture management main body;The fourth part focuses on the empirical introduction of this paper,the case is Sichuan province's first agricultural facilities---smart greenhouses direct mortgage financing loan project personally experienced by the author,firstly,from the project itself,introduces the overall project overview,market environment research,financial benefits analysis and project risk and prevention,uses SWOT analysis,concludes the feasibility of the project;Secondly,based on the bank point of view,introduces a single report,analyzes three aspects from the asset quality?operating income and solvency,investigates the financial status of the project construction and operation entities,describes the pioneering work of the relevant government departments-agricultural greenhouse facilities ownership certification and bank mortgage approval process and obtain credit,Finally,briefly describes the progress of agricultural facilities ownership certification in Sichuan Province after the first case;The conclusion part emphatically analysis of the advantages and disadvantages of such financing mode for the capital demand side-facilities agricultural enterprise,draw a conclusion about how to expand the innovation achievement of facility agriculture financing modes,in the hope of solving the large scale financing problems under the current new economic form especially faced by the facilities agricultural operators in the course of agricultural scale management,and making it has a certain case to promote and use for reference.