Research On Financing Dilemma And Countermeasures Of Small And Medium-sized Agricultural Enterprises

The financial market of China is in a state of rapid development,in the current economic background,small and medium-sized agricultural enterprises faced with so many difficulties,such as lacking financing channel,humbler management level,the credit of enterprises are getting more tension,even lack of construction of credit system.Although,the concept of global inclusive finance is getting accepted,and national government has introduced package arrangements,difficult and costly financing and financing risk is still the constraint for the small and medium-sized agricultural enterprises in their development.It is necessary to further explore how to promote financial innovation and practice the path of inclusive finance through the active guidance of financial policies and the mutual promotion of creditor and debtor.Taking huanggang's small and medium-sized agricultural enterprises as research object,Huanggang is one of the city belongs to Hubei province.Located in the eastern part of Hubei province,southern part of Dabie mountains,northern shore of the Yangtze river middle reaches,Huanggang is one of agricultural areas,it's a good choice to investigate small and medium-sized agricultural enterprises with bright features.We choose 10 small and medium-sized agricultural enterprises selected by shareholders background,capital strength,running state and industry background in numerous enterprises in huanggang,basic includes of small and medium-sized kinds of enterprises.We can get the common issue in them.At the same time,we choose a representative enterprise in grain and oil company as case study object,through the contract analysis of commercial bank's credit policy,finding out the gap between the financial policy and the enterprises' situation,and then find the possibility to solve the problem.This article focuses on basic concept of theory in agricultural enterprises financing problems.Taking huanggang middle and small agricultural enterprise's actual operation as data acquisition source,the city facility Banks as auxiliary research object,compared to find out the small and medium-sized agricultural enterprises in the face of the arising in the process of bank financing strength is insufficient,credit standing is not optimal,guarantee measures such as limited situation,as the main body of the financing enterprise itself,both have many congenital deficiency and industry,and the late poor management,ignoring the existence of subjective reasons,such as credit therefore unable to obtain bank credit funds to support.To analyze from the perspective of commercial bank,found that most of the current financial institutions in the face of small and medium enterprises,especially small and medium-sized enterprises of agriculture this cyclical features obvious seasonal,production-oriented enterprises,on the credit policy and product design,there are some defects,it is difficult to fit the market demand.Commercial Banks also have some responsibilities in financing and financing,and financial innovation needs to be further improved,which is the only way for the transformation and development of commercial Banks in China.Paper on the basis of theoretical study,combined with market research data collected by the reaction of practical problems,put forward for the settlement of the current small and medium-sized agricultural enterprises financing problems feasibility Suggestions and ideas,mainly divided into two aspects.On the one hand is small and medium-sized agricultural enterprise itself,improve their ability of management and financial management level,according to the market characteristics,financial characteristics to determine the financing channels,financing period,development of the enterprise strategy,etc.,make enterprise on the operation of a well-ordered development path.On the other hand,it starts from the external environment,and strengthens the active policy guidance at the government level to promote the enterprise to regulate the operation and the compliance loan;Financial regulators urge commercial Banks to optimize product structure,innovate financial products and comply with market demand.We will strengthen the construction of the social credit system,improve the credit system,and further optimize the credit environment.At the same time,using the rapid development of Internet technology to solve the problem of asymmetric financing information is another feasible way for financial product innovation and policy innovation.