Analysis On The Availability Of Credit Guarantee For New Agricultural Operators

As the basic problem of national economy,the problems of agriculture,rural areas and farmers have been attached great importance by the state.Since 2004,the issue of agriculture,rural areas and farmers has been issued as the No.1 document of the central Committee for 20 consecutive years.The Report of the Party’s 20th National Congress has positioned it as a fundamental issue related to the national economy and people’s livelihood,and proposed to accelerate the implementation of the rural revitalization strategy.The new type of agricultural operating entity is an important force to implement the rural revitalization strategy.Although the new type of agricultural operating entity has an important position,its development also faces many problems,the most important one is the financing difficulty.The construction of agricultural financing guarantee system is an important way to solve the agricultural financing dilemma.In recent years,the research on agricultural financing guarantee system mainly focuses on the construction of financing guarantee system by solving the information asymmetry between the supply and demand of funds and improving the financing difficulties for agricultural production and operation subjects by increasing the credit.There are few studies on the availability of agricultural credit guarantee.Based on this,this paper mainly explores the factors affecting the availability of agricultural financing guarantee,and combines the actual survey data of Shandong Province for analysis.First of all,the previous literature of agricultural credit guarantee is studied,and the relevant theories in the field of agricultural credit guarantee are sorted out.Secondly,the paper studies the policy-based agricultural guarantee policies and then compares the different characteristics of the traditional "silver undertaking" mode and the new "Silver undertaking"mode,and in this process,makes clear the relationship between the subjects involved in the"Silver undertaking" mode.Finally,the paper focuses on the factors affecting the availability of credit guarantee under the "silver governance" model.From the perspective of game,this paper analyzes the potential factors affecting the application of guarantee financing through the game between new agricultural operators and guarantee institutions,and then analyzes the influence of the role of banks and governments on the availability of credit guarantee in addition to the factors of farmers themselves in agricultural financing guarantee through the game analysis of four parties,and summarizes the factors affecting the availability of agricultural financing guarantee.The empirical model is used to further analyze the results of the game model.With the help of the questionnaire survey data in Shandong Province,the empirical analysis of these influencing factors is carried out,and the research conclusion is obtained:Whether family members or relatives work in the financial industry,whether they join the agricultural industrialization consortium,the degree of attention to economic and financial information,the value of agricultural machinery,the degree of ease of loans,the number of bank or credit union loans that have not been paid off,and the availability of government guarantees for agricultural credit have a significant impact.Among them,government support has a significant impact on agricultural financing guarantee.Finally,according to the research conclusions,the following suggestions are put forward:(1)new agricultural management main body.Actively understand Nongdan related loan policies,expand the basic knowledge of Nongdan policies.(2)Shandong Nongdan.Strengthen the Nongdan product"differentiation" setting,development according to local conditions.To improve the construction of digital platform is insufficient,further enhance the "bargaining power".(3)Cooperative banks.Enrich the form of collateral,according to local conditions to formulate plans.Reduce information barriers and strengthen information exchange with Shandong Nongdan.(4)Government.To strengthen the precision of information research of local government grass-roots cadres,the government should guide the market to play a regulating role.