Study On The Financing Difficulties Of Agricultural Small And Micro Businesses

In developing countries and developed countries,small agricultural enterprises is the main body of the national economic sustainable development and social well-being,along with our country economic system reform,small agricultural enterprise become an important force in small micro enterprise and agricultural enterprises,become the most active part of the production and trade activities,the sustained and healthy development of national economy,playing a role that can not be ignored.However,small agricultural enterprise in the process of development always has the problem of"change",in addition to choose to commercial bank loans,there is no more and way to solve the problem of financing and investment.Combined with its own credit rating is low,the serious influence the long-term development of the agricultural small micro enterprise.So the small micro enterprise financing dilemma for the sustainable development of agriculture in our country small micro enterprise has very important significance.Part of xingsha agricultural small micro enterprises face serious financing dilemma in recent years.Based on this,this article USES the research method of integrating theory with practice,summarizes xingsha agricultural small micro enterprise financing present situation,the characteristic,the analysis influence agricultural small micro enterprise financing difficulties of all kinds of internal and external factors,and advances some corresponding countermeasures.According to the information desk and field visits,the author conclude that xingsha agricultural small micro enterprise financing at present mainly through three ways,one is the bank,the second is credit cooperatives,three is to find the relatives and friends to borrow.Because companies generally on a smaller scale,lack of corresponding credit rating,mortgage guarantee and less,so the former two ways also difficult,basic only relatives and this one channel.On the influence factors,the local government,financial institutions and enterprise itself all play a role in the process of financing difficulties.As a result,the corresponding countermeasures are also looking for from these three factors.First,the government should play the role of guidance and services to support the development of small financial institutions,establish service agricultural small micro enterprise specialized departments,improve the credit guarantee system;Second,the financial institutions to innovative financial products,optimize the credit structure,improve the service consciousness and the ability of agricultural small micro enterprise;Finally,the agricultural small micro enterprise itself should practice good internal work,optimizing the management of funds,establish the core technology,improve the credit rating,expand the scale of enterprise,enhance the hematopoietic function.The three parties,multi-pronged,strive to solve the problem of xingsha agricultural small micro enterprise financing difficulties,so as to promote enterprise,agriculture and the development of economy and society.