Study On The Financing Of Family Farm In Lingcheng District Of Dezhou City

Family farm is an important carrier to realize the strategy of Rural Revitalization in the new era of socialism,and it is the main starting point for the development of traditional agriculture to modernization.The development of family farms in China originated in 2013,which started later than in Europe and America.However,the development of family farms in China has achieved remarkable results.By the end of 2018,the annual output value of family farms in China has reached 194.6 billion yuan.The list of family farms of the Ministry of agriculture and rural areas includes 600000 family farms,which is more than four times more than that in 2013.The special planting and management mode of family farms has shown strong vitality in China's land.Family farm shows its unique advantages of family and scale management.It improves agricultural productivity by training professional managers and specialized production mode,obtains scale economy in agricultural production,breaks the shackles of traditional small-scale economy,and becomes the main body of moderate scale operation of rural land.The current financing problem is a universal problem faced by agricultural business units.Family farms in China are in the early stage of business development,facing the "congenital deficiency" of backward agricultural infrastructure,low overall quality of farmers,poor market risk awareness,etc.the restriction of funds is particularly prominent on the main body of family farms,which is not conducive to the long-term sustainable development of family farms.This paper studies the financing of family farms in a specific administrative region,and takes the family farms in Lingcheng District,Dezhou City,Shandong Province as the research object.Through field survey,questionnaire survey,face-to-face interview,it analyzes the financing situation of family farms in Lingcheng District,and based on the three theories and studies of agricultural credit subsidy theory,rural financial market theory and incomplete competition market theory Professional knowledge analysis studies the problems in the process of family farm financing,and puts forward targeted suggestions and measures.The specific conclusions are as follows: in recent years,family farms in Lingcheng district have developed rapidly,with a high average annual growth rate,but individual differences are obvious;family farms have a high desire for financing,and the following problems are exposed in financing: there is an obvious imbalance between supply and demand in family farm financing;financing channels are relatively less;credit financing guarantee is difficult;agricultural insurance system is imperfect;high interest rate reality and There is a contradiction between low costs.The main reasons for the above problems are as follows: first,financial institutions lack the main service function,family farm financing presents certain periodicity and the actual demand for funds is large,while the effective supply of financial institutions' funds is insufficient;financial service mode and product innovation lag behind;financial institutions have limited support for family farms,and the credit rating system is not perfect The agricultural insurance system is deficient.Second,family farms have weak financing endowments,less available collateral,and backward management concepts and models;family farms are affected by credit and social relations,which lead to the lack of smooth financing channels;the original intention of farmers to establish family farms is not simple,and they have high expectations for low interest loans of financial institutions,while financial institutions in order to reduce the risk of loans,Third,the government's financial support measures are not in place.Finally,this paper summarizes the outstanding experience in the field of family farm financing in China,including Songjiang family farm in Shanghai,Yanbian family farm in Jilin,and other countries,including the United States,France and Japan.According to the inspiration from the field of family farm financing at home and abroad,this paper puts forward the targeted suggestions and measures from five angles.First,improve the quality of farmers and the level of farm operation and management,mainly through personnel training activities and improving the financial management mechanism;second,enrich the types of effective mortgage for family farm financing,simplify the assessment process and procedures;third,accelerate the development of rural financial system,mainly by reducing the threshold of market access and strengthening internet financial services;fourth,improve the agricultural insurance system We should expand the coverage area and insurance quota of policy oriented agricultural insurance,introduce social capital to actively develop commercial insurance;fifthly,we should increase government services,enhance modern information services for family farms,and ensure that agricultural subsidies and loan policies can be implemented to households.Through these suggestions,this paper hopes to solve the problems encountered in the financing field of family farms in Lingcheng district and improve the financing level of family farms.