Study On The Formation And Model Of Agricultural Credit Guarantee Company

Since the reform and opening up,with the establishment of the market economic system,credit guarantee industry and gradually grow and develop,to alleviate the financing difficulties faced by small and medium enterprises have a positive significance.However,the current credit guarantee company for agricultural enterprises credit guarantee business is still not fully liberalized,the financing difficulties of agricultural enterprises has not been effectively alleviated.In many agricultural enterprises,the main body of agricultural management because of its high risk,low income characteristics,financing difficulties more prominent.Since 2004,The state for agricultural support "yellow box policy" peaked,the policy performance decline.Therefore,it is imperative to change the agricultural development mode and carry out the structural reform of the agricultural supply side and seek the "green box policy" to support the agricultural development.The establishment of agricultural credit guarantee company is a major measure to adjust the agricultural support policy of the country,which is of great significance to alleviate the problem of "financing difficulty" and "financing expensive" of agricultural management subject.However,agricultural credit guarantee companies in the formation and operation of the process there are still a series of problems.This paper first reviewed from the establishment of the first national credit guarantee company since 1993,has gone through four stages: start,build,support and standardize,formed a policy credit guarantee institution as the main body,commercial and mutual credit guarantee institutions to supplement The "one body and two wings" credit guarantee pattern.This is the development of small and medium enterprises,banks and other financial institutions and the improvement of the financial system has a huge role.And then focus on agricultural credit guarantee company because of its national policy support and their own business risks and operational objectives of the particularity of its formation and exploration is divided into two stages of dependence and independent operation,formed the "government-funded independent operation","to industry chain as a link","farmer mutual cooperation" and "the introduction of financial derivatives," the four major modes.Based on the new model of agricultural credit guarantee,this paper analyzes the current situation that the credit guarantee company faces the credit guarantee ability,the risk control mechanism needs to be optimized urgently,the personnel training system needs to be improved and the external supervision system needs to be improved urgently.And other common problems and agricultural credit guarantee companies since the formation of the customer to explore the ability to be improved,the market-oriented operational capacity to be strengthened,the information management mechanism to be improved and staff quality and innovation capacity to be improved new issues.This paper argues that the current agricultural credit guarantee company should expand the guarantee funds through the use of financial leverage,establish the risk relief fund,improve the risk control and control;use the "Internet +" to establish a data platform;optimize the personnel,adhere to talent innovation;advocate local conditions,To improve the agricultural credit guarantee company's business model by speeding up the legislation of agricultural guarantee and providing legal support.