Financial Service Models Analysis And Product Innovation For Realizing Farmers' Land Property Income

Agriculture is the cornerstone of the development of the national economy.The core of the "three rural issues" is the improvement of farmers' income.With the continuous development of the national economy,the gap of per capital disposable income between countryside and city is widening,and is reflected in the property income gap.According to the general economic theory and financial theory in modern times,the development of rural economy and the improvement of social environment,as well as the increase of farmers' income level and the development of financial ecological environment and financial industry in rural areas,are mutually reinforcing,showing a spiral of positive cyclical relationship.Therefore,as the blood of the national economy,the construction and improvement of the rural financial ecological environment can play a crucial role in the growth of farmers' income and the improvement of rural living environment and social relations.And the organic combination of financial industry and rural market can effectively reduce the cost of information,realize price discovery,standardize market operation and improve market efficiency.With the sustained and accelerated process of rural construction and the increasing per capital disposable income of farmers,the demand for financial products and services will become increasingly strong,especially for high-efficient and high-quality financial products and services.There is uncertainty,measurement complexity,diversity and dependence on farmland property rights and market in land property income.As far as the current development situation is concerned,the growth rate of farmers' land property income is relatively fast.But the absolute value is low and the proportion of land property income to per capital net income is too small because farmers' ability of controlling land property income is relatively deficient;At the same time,large regional differences and the single income sources of farmers' property also exist.Due to the duality of urban and rural areas,the development of financial system,institutions and facilities in rural market is not as good as that in urban market,but it has begun to take shape.Based on the framework of property income of farmers,this paper discusses the connotation and category of property income of farmers' land.Then,the three financial business models of land equity mortgage,asset securitization and trust are analyzed in detail,and the countermeasures and suggestions are put forward.On the basis of general analysis,this paper,based on the previous research results,analyzes the financial needs of farmers and the current situation of financial institutions through questionnaires and quick interviews,systematically summarizes and discusses the factors that restrict the income of farmers ' land property,and divided into non-financial factors and financial factors two levels to explore.On this basis,two innovative products of financial service are put forward.Firstly,based on the background of "Internet + rural finance",the "Agricultural credit" product is proposed;Secondly,based on the background of the "separation of the three powers" of rural homestead,the "Anxin loan" product is proposed.Finally,combined with the study of the full paper,it summarizes and puts forward corresponding countermeasures and suggestions.