Research On The Restrictive Factors And Countermeasures Of Sustainable Development Of Policy-Based Agricultural Guarantee From The Perspective Of Public Goods Taking Gansu Nongdan As An Example

The difficulty and high cost of financing "agriculture,rural areas,and farmers" has been a difficult problem that has plagued China’s agricultural development.Therefore,the central government has approved the establishment of a policy based agricultural credit guarantee system(hereinafter referred to as "policy based agricultural guarantee")with financial contributions throughout the country.Gansu Province’s policy based agricultural credit guarantee(hereinafter referred to as "Gansu agricultural guarantee"),as a member of 33 provincial policy based agricultural guarantee systems nationwide,has a quasi public product positioning.At a critical juncture in the transition between poverty alleviation and rural revitalization,In 2023,the "Central No.1" document proposed: "Promote financial institutions to increase lending in rural revitalization related fields,focusing on ensuring the demand for food security credit funds.Guide credit guarantee business to tilt towards agricultural and rural areas,and play the role of the national agricultural credit guarantee system." Gansu Nongdan effectively changed the willingness of financial institutions to invest in agricultural loans in supporting agriculture and benefiting farmers,It has driven the development of local agricultural industry and agricultural economy.However,in the process of exerting the public value of financial support for agriculture,the problems of its sustainable development have gradually emerged,so it is urgent to study the constraints affecting its sustainable development and propose countermeasures and suggestions.From the perspective of public goods,this article explains that high-quality and sustainable development of policy-oriented agriculture is a necessary way to give full play to the government’s financial functions and effectively solve the difficult and expensive financing problems of "agriculture,rural areas,and farmers".This article takes Gansu Nongdan as the research object,using public product theory,policy based finance theory,and new public service theory combined with its characteristics of "policy based","inclusive","public",and "minimum profit based" as the theoretical basis;Using the method of semi structured in-depth interviews and questionnaires,this paper analyzes in depth the problems existing in the sustainable development of policy based agricultural support from the perspective of public goods,such as insufficient exertion of "policy based" effectiveness,insufficient coverage of "inclusive",inadequate risk sharing mechanisms involving multiple entities,lagging construction of information service platforms,and the need to improve the professionalism of talent teams.And internal factors such as inadequate understanding of the "policy oriented" functional positioning,inadequate sustainable risk sharing mechanisms,lagging information technology levels of guarantee products and services,and lagging talent team construction;And analyze external factors such as the imperfect collaborative agricultural support mechanism involving multiple entities and the low recognition of policy-based agricultural burdens.It is proposed that Gansu Nongdan should adhere to the "policy oriented" functional positioning of serving "agriculture,rural areas,and farmers",enhance the inclusiveness of policy oriented agricultural products,establish and improve a risk sharing mechanism involving multiple entities,promote the sustainability of public product services through digital transformation,and continuously strengthen the construction of its own talent team.