Research On The Coordination Between Government And Enterprises In The Implementation Of Agricultural Credit Guarantee Policy In Shanghai

"Difficult financing","expensive financing" and "complex financing" in the agricultural field have restricted the development of agricultural modernization in China for a long time.With the comprehensive implementation of the Rural Revitalization Strategy,cultivating and strengthening the new agricultural business entities and building a modern agricultural industrial system,production system and business system have become the only way to achieve the requirements of Rural Revitalization and industrial prosperity.In this process,we must effectively improve the supply capacity and service level of rural finance.Since 2015,the Ministry of finance,the Ministry of agriculture and the China Banking Regulatory Commission have required the establishment of a three-level integrated policy oriented agricultural credit guarantee system of "state-province-county" throughout the country.Government departments,guarantee institutions,commercial banks and other government and enterprise entities have established various forms of cooperation mechanisms to solve the financing difficulties in the agricultural field.In 2018,Shanghai improved the policy of financial support for agricultural credit guarantee according to the national requirements.The municipal government invested200 million yuan to set up agricultural guarantee funds to support agricultural business entities to carry out agricultural related loans,and successively explored a variety of government enterprise cooperation modes such as "bank-guarantee" cooperation,"government-bank-guarantee" cooperation,and "government-bankguarantee-insurance" cooperation.This paper takes the agricultural credit guarantee system of Shanghai as the case study object,analyzes the government enterprise coordination mechanism in the implementation of the agricultural security policy by using the Horn-Meter Model,and further excavates the problems existing in the cooperation of diversified subjects in the implementation of the agricultural security policy through questionnaires and in-depth interviews,and analyzes the reasons for the problems.The research on the problem is mainly based on the following two aspects: first,the effect of the agricultural insurance policy on the actual solution of the financing difficulties of agricultural operators under the background of government enterprise coordination;The second is the effectiveness of the cooperation mechanism of the government enterprise cooperation.The study found that the government enterprise coordination in the implementation of the agricultural security policy in Shanghai mainly has six problems: the imbalance of credit supply and demand,the promotion of the agricultural security policy is not in place,the cognition of the cooperative subjects is not unified,the data enabling effect has not been achieved,batch guarantee cooperation has not been implemented,and the financial and industrial policies are not coordinated.Further analysis and induction of the following five reasons: there is still information asymmetry in the field of agricultural credit;The degree of specialization and marketization of guarantee institutions is not high;The policy mechanism of the agricultural insurance is not suitable for the agricultural characteristics of Shanghai;Lack of effective incentive mechanism for government enterprise coordination;There are information barriers within government departments.In view of the problems and reasons of government enterprise coordination in the implementation of Shanghai rural social security policy,this paper puts forward the following countermeasures and suggestions from the perspective of collaborative governance: the main body of collaborative governance,the content of collaborative governance and the mechanism of collaborative governance: first,based on the concept of "serving agriculture and adapting to agriculture",further clarify and consolidate the responsibility orientation of government enterprise coordination;The second is to improve the content of government enterprise coordination from the aspects of optimizing the organizational system of Shanghai rural insurance institutions,improving the effectiveness of data empowerment,strengthening the integration of guarantee resources,and strengthening the coordination of financial and industrial policies;Third,strengthen incentives and supervision,and establish a longterm cooperative mechanism between the government and enterprises.