An Empirical Research On The Financing Of Family Farms And Its Influencing Factors In Shandong Province

Food is the paramount necessity of the people.Agriculture modernization is the cornerstone of China’s modernization.With the development of modern society,the methods of agricultural production are also constantly innovating and developing.The new type of agricultural business is accompanied by the main body.The family farm has become the backbone of modern agricultural production mode in terms of quantity,scale and influence,Shandong province is a big agricultural province of our country,In recent years,the area of QILU has set off a wave of exploration and construction of family farms.However,the development of family farms in Shandong province is not fully mature.Because of there are internal problems such as management irregularity,deviation of management planning and weak risk consciousness,In addition,the influence of external factors such as the structure of the rural finance dual system and the unsound credit system are evaluated,family farm financing problems still exist,which has increasingly become the primary bottleneck affecting the long-term development of family farms.This paper is guided by the theory of rural finance,based on the data of 246 family farms in Shandong province,in accordance with "literature review-analysis of the present situation-discovery of problems-empirical analysis-make recommendations" to write the full text.Firstly,based on the investigation,the current situation of family farm development in Shandong province is analyzed.At present,the development mode of family farm in Shandong province and the sale channels are more diverse.Secondly,sorting the research data out.From the aspects of financing demand,financing channel,financing term and cost and financing purpose to introduce the present situation of family farm financing in Shandong province,expound the existing problems of family farm financing and analyze the causes of financing predicament.Then,the empirical part builds the binary logistic model to analyze the factors that affect the availability of funds for family farms.The research indicates that: The acquisition of sample family farm borrowing funds is mainly influenced by the age of family farmers,education degree,social identity and incomelevel of family farm,whether to participate in cooperatives,and whether there are independent trademark brands.In addition to the extent of education,the scale of family farms and the presence of independent trademark brands,other variables have significant influence on the availability of family farm funds.Therefore,this paper puts forward corresponding countermeasures and suggestions from three aspects: family farm itself,financial institution and government policy.