Study On Farmers Participate In Agricultural Value Chain Financing

As an important cash crop,pomegranate is one of the favorite fruits.The growing area of pomegranate in China and the development of pomegranate value chain have become an important source for farmers to get rid of poverty and become rich.At present,the country attaches great importance to the development of rural economy,puts forward the policies of "precision poverty alleviation" and "rural revitalization" successively,and devotes itself to adjusting the structure of agricultural production and raising farmers' income.In the development of pomegranate value chain,capital injection is very important.Pomegranate value chain financing is related to the extension and development of pomegranate industry value chain.Financing difficulties,credit risks and other problems still exist,how to effectively solve these problems,we need to closely link the various economic entities on the pomegranate value chain financing,improve the enthusiasm of farmers to participate in the pomegranate value chain financing.It provides agricultural security for the extension and development of pomegranate value chain and promotes the sustainable and stable development of agricultural value chain financing.As one of the six main producing areas of pomegranate in Huaibei City,pomegranate planting has a long history and is concentrated.This article mainly adopts the field investigation method,the empirical analysis method,the case analysis method,through the investigation Huaibei pomegranate value chain financing present situation,from the agricultural value chain inside and outside two angles analysis pomegranate value chain financing operation,It is found that the local pomegranate value chain has some problems such as single financing mode,lack of credit financing products and so on.In addition,considering the lack of collateral and credit risk of farmers,the amount of loans provided to farmers is relatively small.Affect farmers to participate in pomegranate value chain financing enthusiasm.And then research the value chain of pomegranate in Huaibei City.It is found that agricultural value chain financing has promoted the development of pomegranate industry.Through the questionnaire survey from the perspective of farmers,the empirical method is used to study the willingness of farmers to participate in pomegranate value chain financing.The scale of planting and the time limit of capital demand have significant influence on farmers' participation in value chain financing.Then the financing case of Huaibei Yongjun Juice Beverage Co.,Ltd is analyzed,and the operation process of pomegranate value chain financing is introduced in detail.Based on the above research,it is concluded that the value chain financing of pomegranate industry in Huaibei City optimizes the financing channels of farmers,improves the structure of agricultural production and raises the income of farmers,but there are also some shortcomings,that is,the local pomegranate brand effect is not strong.According to the research conclusions of this paper and the current situation of pomegranate industry development,this paper puts forward some policy recommendations suitable for the financing of pomegranate industry value chain,respectively from banks and other financial institutions,governments,pomegranate production cooperatives,Some suggestions are put forward to improve the value chain of pomegranate industry.