Financing Difficulties And Countermeasure Analysis Of Grain Enterprises

At present,the grain industry is still in the weak link of economic development.With the acceleration of reform and opening up,the relatively backward grain industry has become a bottleneck in the process of urban-rural integration,and this trend is gradually highlighted.The main reason for the relative backwardness of grain industry is the financing problem of grain industry,which has been the fundamental problem restricting the construction of new socialist countryside.Financing of grain industry is very difficult,and the imperfect financial system of grain industry has become the crux of restricting the development of grain industry.The relatively slow development of grain industry has become an important constraint to break down the dual structure of urban and rural areas and promote the process of urban-rural integration.In recent years,the speed of economic development in rural areas of China has been accelerated obviously.Various kinds of investments have increased rapidly in terms of quantity and amount,and the demand for funds has increased greatly.Under such circumstances,the difficulty of financing,the narrow financing channels and the imperfect financial system of the grain industry make the development of the grain industry in a bottleneck period of difficult process.The serious mismatch between the supply of funds and the demand of funds in the grain industry restricts the sustainable development of the grain industry in all aspects,which also violates the sustainable development concept and the construction of new countryside at the present stage in China.The goal of building a harmonious society.Considering the financing problems faced by grain enterprises from various aspects,solving various problems through various channels,improving the financial system of grain industry,increasing farmers' income and improving their living standards will lay a good foundation for accelerating the sustained,healthy and rapid development of rural economy,promoting the economic development of our country in the new period and maintaining the healthy and orderly operation of the national economy.Solving the financing problem of grain enterprises is not only conducive to solving the shortage of funds in grain industry,promoting the development of grain industry,but also conducive to the development of modern grain industry financing system.From the perspective of financial institutions,the financial development of China's grain industry is relatively backward,financial products are relatively single,and the main source of financial institutions' profits is only the interest generated by credit business,so credit risk has become the main risk in the financial field of grain industry.The definition of credit risk in grain industry finance refers to the possibility that the borrower can not repay the principal and interest of the loan on time or fail to repay the principal and interest of the loan on time,resulting in the non-performing loan of the bank.The credit risk of grain industry is affected by both internal and external factors.Internal factors refer to the internal risk management system of financial institutions.Specifically,the risk management system of each commercial bank is different.For a grain enterprise with bad loans,the risk resolution methods of each bank are also different,so the follow-up impact on grain enterprises is caused.There will also be differences.From the point of view of grain enterprises,the causes of risk are mainly external factors.External factors refer to economic system,laws and regulations,national macroeconomic situation,the success or failure of borrowers' operation,and whether they are trustworthy.Since agriculture is still a weak industry in China,the grain industry,as a relatively low-profit industry,is often tempted by interests when applying for credit funds,which results in violation of the law.As a result,it is uncertain whether loans from financial institutions can be recovered on time.We should adhere to the principle of "storing grain for the people,preparing grain for shortage,voluntarily storing grain,taking grain freely,keeping it secret for the savers,keeping the grain right unchanged,keeping the price at a lower price,keeping the price at a lower price and increasing the price at a higher price",and make every effort to serve the farmers and large grain-growing households.In the future,through the system of providing food interest,the Food Bank can balance the harvest and harvest years in poor areas,at the same time,encourage farmers to work,which is of great significance in solving philanthropic problems.At present,the current methods include paying cash on the market,rewarding farmers according to the number of purchases and vehicles,collecting and storing on behalf of others,paying for current settlement,collecting and storing on behalf of others free of charge,formulating temporary measures for acquisition and acquisition contracts,which more effectively guarantees farmers' enthusiasm for grain production.At the same time,farmers can also use the "grain passbook" to exchange their own products of grain,oil and food at any time in the consumer outlets,which not only meets the consumption needs of farmers,but also improves their quality of life,and promotes the industrialization of grain in our city.Through the management mode of "big circulation and small contracting" and "four unification"(unified varieties,unified agricultural resources,unified plant protection,unified drying and purchasing),the new mode of "company + base + cooperative + peasant household" development-"grain bank" is a kind of market-oriented operation,which absorbs surplus grain "savings" in the hands of farmers,and "savers" can rely on "storage".Discount "at any time to extract,purchase grain,discount the new grain business form.Farmers enter the grain bank as if they had entered the savings offices of commercial banks.