Feasibility Study On Financing Model Combining Grain Planting Loan And Purchasing Loan

With the implementation of the country's Rural Revitalization strategy,the Opinion of the State Council of the Central Committee of the Communist Party of China on the implementation of the strategy of Rural Revitalization put forward that "broadening the channels of investment and financing,strengthening the investment guarantee of rural revitalization" and "putting the focus of Inclusive Finance in the countryside",China's agricultural development is in the transition period from traditional agriculture to modern agriculture,and a large number of new agricultural operators have expanded production and operation.Financial demand,because it shoulders the responsibility of developing modern agriculture,should actively promote the improvement and innovation of financial market services from various aspects to meet its needs.Grain planting loan and purchase loan are widely used in agricultural production,but the related research is less,mainly concentrated on risk assessment,policy effectiveness,credit guarantee and so on.Based on the study of the existing grain planting loan and purchase loan model,and the investigation and study of the daily operation of the current grain planting loan and purchase loan in rural areas,this paper puts forward the financing model of the integration of grain planting loan and purchase loan,analyses its advantages,and explores its effective development model and feasibility in view of the main problems it faces.Starting from the practice of production and operation,after full analysis and investigation,it is found that the factors of loan demand faced by Grain Growers and cropping organizations,as well as the factors of loan demand faced by grain processing and purchasing organizations.From the point of view of the supplier of funds,the problems faced in the design,issuance and recovery of grain,planting and acquisition loan products should be considered in all respects.With the continuous development of agricultural industry,the popularization of contract agriculture,the construction of rural land circulation system,credit system and the futures development direction of grain products,the links of grain planting and grain purchasing have become more and more close.Based on the original planting and purchasing loans due to market factors and their inherent operation,risk and income patterns,the appropriate situation has emerged.Considering the current economic and social environment,it is feasible to combine the two loan financing modes.Find the combination point of the two,put forward the specific definition of the financing mode of the combination of the two,and determine the structure and characteristics of the financing mode of the combination of grain planting loan and purchase loan.Combining with the existing national and local industrial policies,agricultural market policies and futures market conditions,this paper carries out specific policy adaptation analysis.Fully considering the adaptability of existing financial products under the current national financial system,this paper analyzes the adaptability of financial products,making more use of existing product models,starting from the perspective of restructuring and adaptation,rather than fully integrating innovation.In the specific model,the concept of reverse expansion of industrial orders is introduced to determine the relevant factors and processes of the new model,such as the amount of investment,the links of investment and so on.Through the income analysis of the financing mode of combining grain planting loan with purchasing loan,the income impact of farmers,purchasing enterprises and financiers involved in the products is fully analyzed and elaborated.Combining with the national industrial policy,market policy and agriculture-related protection policy,as a new financing mode,this paper fully analyses and elaborates the problems brought about by its market promotion,product applicability,farmers' acceptance and various stakeholders,and lists the main and minor aspects of the problems.On the basis of previous research on planting loan and purchasing loan based on credit loan and mortgage loan financing mode,this paper puts forward a new financing mode without changing the original product policy applicable environment.By comparing the existing foundation of planting loan and purchasing loan,analyzing the changes of policy and market environment,comparing the risks and benefits of the financing mode of combining planting loan and purchasing loan with the current mode,and adopting the comparative method,the paper analyses the risk factors and benefits of the financing mode of combining planting loan and purchasing loan.The results show that the combination of planting loan and purchasing loan reduces the systemic risk,market risk and operational risk in the original planting loan link and the corresponding link of purchasing loan,and has better economic returns and administration in the efficiency of fund use,the stability of obtaining loan,financing mode,effective regulation of market,scale agriculture and credit system construction.Policy profitability.This is the result of introducing insurance guarantee mechanism and value discovery system.Through comparative analysis,this paper confirms the feasibility of combining grain planting loan with purchasing loan,and further proposes that government policies should be used to guide the development of planting scale,large-scale platform construction,price transmission discovery and credit system construction in the future,so as to further promote the expansion of agricultural financing mode.