A Study On The Factors And Paths Of Farmers' Financing Under The Background Of Agricultural Industrialization

In recent years,agricultural industrialization in China continues to grow and develop in the direction of the scale,specialization and marketization.But in some areas the development of agricultural industrialization is seriously lagging behind.The main factor restricting its development is the shortage of funds,and the bottlenecks faced by farmers involved in the industrialization of agriculture are particularly serious.On the one hand,with the development of agricultural industrialization,the farmers in the industrial chain become different from the traditional farmers.Agricultural production and operation in the amount of funds is required for a long period of time,but because of their lack of collateral security,it is usually difficult for farmers to get funds from the banks and other formal financial institutions.On the other hand,with the continuous development of agricultural industrialization,a large number of business entities such as family farms,professional cooperatives,leading enterprises and other business entities cooperate with each other,and gradually form a benefit sharing,risk sharing mechanism,which provide a new way to solve the financing difficulties of farmers.This paper first defines relevant concepts of agricultural industrialization,farmer financing and agricultural industry chain financing,and analyzes the theory of rural finance,information asymmetry and agricultural industry chain financing theory,which provides sufficient theoretical basis for what follows in the paper.Secondly,through reviewing relative data and investigational research,this paper studies the status of the development of agricultural industry and farmers financing in the reservoir area,sums up the problems faced by farmers and the reasons for financing,and indicates the need to innovate farmers financing path in the development of agricultural industrialization.Thirdly,based on the survey data of farmers in Chongqing Three Gorges Reservoir Area,this paper,using Logistic regression,makes an empirical analysis of farmers' loan difficulty level under the influence of agricultural industrialization,which provides the basis for the use of industrial chain financing in next part.Finally,on the basis of the previous research conclusions,this paper constructs the paths of the farmer's industrial chain financing according to the development of the industrial area and the characteristics of the farmers' financing demand,and puts forward some viable paths and policy suggestions to ensure the effective operation of this path.Through the above research,this paper draws the following conclusions: Firstly,the shortage of funds in the development of agricultural industrialization in the reservoir area,especially the problem of farmers' financing difficulties at the grassroots level of agricultural industrialization,seriously restricts the development of agricultural industrialization.Secondly,agricultural industrialization management factors benefit farmers' loan,which means the support from industrial chain of professional cooperatives,leading enterprises and other entities contribute to the financing of farmers to a certain extent.Thirdly,in the early stage of the development of agricultural industrialization,the advantageous industries in the reservoir area rely more on the guidance and support of the government,so the government-led agricultural chain financing path can be constructed.With the rapid development of agricultural industrialization,the agricultural industry chain extends and the leading enterprises develops,so a leading enterprise-led farmer industry chain financing path can be built.And when agricultural industrialization in the reservoir area comes into the stable period,the cooperative organization of the development provides farmers the conditions to participate in economic activities as a whole,a mediator-based farmer industry chain financing path can be built.Finally,this paper gives proposals to ensure the effective operation of the farmer industry chain financing paths.First of all,the industrialization of agriculture must be vigorously developed and the reform of rural financial system should be sped up to provide lasting protection.Then the agricultural risk sharing and compensation mechanism should be continuously improved.Besides,a good financial ecological environment should be built.