The Effect Of "Jiangxi Cai-zheng-hui-nong-xin-dai-tong"

The difficulty in loan and the lack of financing channels has always been the obstacle to the development of agriculture,rural areas and farmers and the implementation of rural revitalization strategy.In order to solve this problem,new models of financial support for agriculture have been explored one after another all over the country.The Ministry of Agriculture selected and issued ten innovative models of financial support for agriculture through summing up,among which“Jiangxi cai-zheng-hui-nong-xin-dai-tong”(hereafter called Hui-nong-xin-dai-tong)was selected.This policy means that financial fund leverages risk compensation to provide loans for new type of agricultural operating entity(hereafter called operating entity).As one of the domestic innovative financial agricultural policies,whether the operation of it is smooth or not,and whether it meets the need of current stage of agricultural development and rural revitalization,to this day,are necessary to research and assess.This paper takes “Jiangxi cai-zheng-hui-nong-xin-dai-tong” as an example.It compares N county's policy with other policies through the field visits and questionnaires to N county's agricultural practitioners,county governments and cooperative banks.It also finds out the actual effect of this policy,and analyzes the reasons and then put forward corresponding suggestions.The aim is to promote the policy's better operation in the local,and to provide a constructive reference for Jiangxi province and the whole country to get better implementation of financial agricultural policy.The research shows that this policy has solved the difficulty in loan and the lack of financial channels for operating entity in Jiangxi.The main performance is to weaken or even abandon the requirements for farmer's property collateral,to reduce the risk,and to enhance the liquidity of finance effectively to agriculture,rural areas and farmers.However,there is still room for further optimization,especially in the demand satisfaction of loan subjects,bank supply,governmental functions and risk prevention and control system and so on.We should broaden scope and depth of thefinancial support by bringing the governmental role into play,guiding financial institutions to take the initiative,speeding up the establishment of rural credit system and strengthening risk prevention and control,so as to stimulate greater potential of this policy.