Journal of dezhou university

Journal of University

.29 Vol

, Jul.213 Y

Investigation and research report on financial support for family farms

Zhang Bo

() Class 211 students of MBA Center of Guizhou University of Finance and Economics, The contradiction of low benefit in Guiyang 55

is conducive to improving economic benefits, which is an important way for new agricultural management entities such as family farms to effectively solve the problem of decentralized land management and

the development of modern agriculture. 2. It brought the new No.1 Document of the Central Committee in 213 and the proposal of the Central Rural Economic Conference to encourage and support the development of family farms, and Dezhou registered and established family farms 8. As of June 25, 213, there were 2 companies. At present, the financial services provided by financial institutions to family farms are still mainly financing services of issuing farmers' loans.

Keywords: Marxist concept of happiness; Happy China; Contemporary value

() Chinese Library ClassificationNo.: F832 Document Identification Code: A ArticleNo.: 14-9444213-138-3

Basic information of family farms within its jurisdiction 1. At present, the development of family farms within its jurisdiction in Dezhou is still in its infancy, and the formal list registrants are all well-known local breeders, mainly engaged in improved seed breeding, 1. < p

Column: Brief Introduction of Fumin Family Farm in Deping Town, Linyi County

The Fumin Family Farm in Deping Town, Linyi County was registered on March 11th, 213, and its address is located in Xiguan, Deping Town, the county. It employs eight people, namely Wei Dedong and his spouse, Wei Dedong's parents, Wei Dedong's brother and his spouse, Wei Dedong's sister and his spouse, and its business is mainly engaged in the breeding of improved varieties of wheat and corn.

Wei Dedong has been engaged in large-scale planting since 28, when he meets, he dares to be the first and explore, and through land circulation, he has embarked on a road of applying agriculture to give full play to small technologies to enrich the people and realize large-scale planting.

The leading role of the wheat planting professional cooperative is to impart the scientific and technological knowledge he has mastered to the surrounding people free of charge and help the villagers embark on the road of * * * to get rich together. It has achieved good economic and social benefits, and has become a well-known national grain grower and a leader in getting rich through science and technology. In 28, 29 and 21, it was awarded the honorary title of "National Grain Producer" by the Ministry of Agriculture for three consecutive years, and was awarded the honorary title by the State Council in 211. In the same year, it was awarded the honorary title of "Grain King" in Shandong Province, and was elected as the tenth Party Congress in Shandong Province.

The main measures taken by Wei Dedong in developing agricultural scale planting in recent 1 years and their effects:

Increase land circulation and improve planting efficiency. 2 Wei Dedong In 1.1, he invested and opened an agricultural management store in Deping Town Government, providing high-quality seed pesticides and technical services to farmers and friends around him. After several years of careful management, the scale and benefits have been continuously expanded. He learned that at the beginning of 28, the land in the villages around the town was very low because most of the villagers were doing business or working outside, and the land benefit was very low due to poor management. He felt very sad. After repeated thinking, he is determined to realize the scale management of land and improve the planting efficiency through land circulation. He tried to sign a land contract with the people in Daxiguan Village through the land circulation center in the town to engage in planting and develop food production. Due to the contract of other departments, mu,

reasonable fertilization, produced good economic benefits in that year, which strengthened the management of learning,

his confidence and determination to make the land circulation bigger and stronger. In 29, he took the lead in registering and establishing more than 3 mu of land in nearby villages. In 21, the scale of land circulation in cities and prefectures was the largest, and Linyi County was the first land circulation cooperative, with a registered capital of 2, yuan as of the end of two years. At the end of 211, the amount of land circulation reached 1,83 mu, and his strong support from the local party committee and government made a profit of more than 1 million yuan. In 212, the scale of land transfer was continuously expanded, and land transfer contracts were signed with 2 households in Huwang, Jiaochang and other villages. The total area of transferred land 1 reached 3,1 mu, more than 1, mu, and it is estimated that the transfer scale will reach 5, mu and 1, mu by the end of 213 within two or three years.

strengthen foreign cooperation and improve scientific planting level. In order to improve the planting level of Science 2. < P > in an all-round way, he actively strived for the Municipal Academy of Agricultural Sciences to set up a demonstration base for scientific research in Deping Town in early 211. In addition, it also signed a seed breeding contract with Wang Lianzhou, Cao Jia and other seed breeding departments promoted by Ningjin Liangxing Seed Science and Technology Co., Ltd. < P > The seed breeding area of Yecun No.1 reached 3, and more than , mu of French Rogate Company signed an order for waxy corn planting, which was about . 2 yuan higher than the market price per catty, which improved the planting efficiency.

cooperative management, giving full play to the leading role of cooperatives. Wei Dedong is rich, but his greatest wish is to lead the villagers to get rich together. To this end, he took the lead in creating a specialized agricultural machinery cooperative for Fumin, bought wheat and set up a specialized planting cooperative for Fumin.

More than 1 large-scale crop sprayers (2 sets, motor sprayer 1, development member 5, 26 sets, more than households, more than people get rich by mobile phones). The organization has established a free publishing platform for agricultural technology information, and sent the latest news on agricultural technology to the masses in the form of

letters. Training courses on farmers' science and technology have been held, and relevant agricultural experts have been invited regularly to provide technical training for farmers, which has greatly improved the production skills and management level of the masses. A demonstration base of science and technology covering an area of more than 8 mu and a demonstration base of agricultural standardized production covering an area of more than 1, mu have been built, so that the average yield of wheat per mu is 5 and the average yield of corn per mu is more than 5 kilograms, and the cost reduction and efficiency increase per mu are more than 1,7 kilograms and more than yuan. At the same time, he made full use of his advantages in operating agricultural resources and organized the masses to purchase pesticides, seeds and fertilizers in a unified way, which not only ensured the quality but also reduced the cost. Agricultural resources,

strengthen demonstration and actively lead the adjustment of planting structure. 4.

In order to diversify and really improve the planting efficiency, he built 8 mu of pollution-free spring valley planting demonstration base and 6 mu of pollution-free Chinese cabbage planting demonstration base. In the process of planting, the production management should be organized in strict accordance with modern agricultural standards, and low-quality, toxic and low-residue pesticides and bio-organic fertilizers should be used for green and pollution-free organic planting. At the same time, we actively cultivated our own brands and registered the trademarks of "Honest Enrichment" and "Xinliangwang" for our agricultural products, which greatly improved the market competitiveness of our products.

second, the supply of financial services

generally speaking, the types of financial services provided by financial institutions to family farms are limited, and financing services are dominant. The loan is still in the form of farmers' loans to farmers. Short-term financing of family farms is mainly used to purchase means of production such as seedlings, feed and fertilizer; Long-term financing is mainly used for long-term investments such as renting and arranging land and purchasing fixed assets.

provide financing services. At present, financial institutions mainly provide financing services to family farms by issuing 1.

loans to farmers. Credit cooperatives' loan certificate loans are approved at one time, used with loans, balance control and turnover use, and the term of 3 is convenient and fast. However, due to six months, the maximum amount is only limited by the credit policy of the credit union, which is 5, yuan. It is more convenient for the Agricultural Bank of China to apply for farmers' loans through the Huinong card than the credit card of the credit union, so it is not necessary to go to the counter at the service terminal. However, due to the fact that Huinong Card Push can handle loan issuance and repayment, < P > a considerable area of defects appeared shortly after it was issued. At present, only civil servants can guarantee it for farmers. Credit cooperatives are still the main force supporting family farms.

provide settlement convenience. Generally, large breeders open personal settlement accounts in local rural areas in their own names.

Every year, the funds generated from the purchase and sale of grain supplements and stickers (breeding subsidies enjoyed by breeding sows (and 12 yuan/mu) 1 yuan/head) are settled through the credit cooperatives, which provides convenience for daily purchase and sale, and

The credit cooperatives can also handle online banking and telephone banking for large breeders.

And other modern financial services,

providing cash support. As a large local planting and breeding company, rural credit cooperatives also provide cash support to ensure its adequate cash supply.

III. Main problems

The identification standards and supporting policies need to be further improved. First, at present, 1.

There is no specific definition standard for the registration of Tingnong, a business entity, in the Industrial and Commercial Bureau, and

its marketability, sociality and legal person status have not been established. Second, because there is no system guarantee for the investment in fixed assets during the contract period of the transferred land, and most families have a one-year term, < P > farmers are afraid to invest in the construction of fixed assets such as water conservancy. Third, the agriculture-related financial institutions have not yet made it clear that the family institutions have not formulated detailed rules for the credit management of family farms.

Whether the farms are qualified as the main borrowers or not, the credit management is still mainly managed and operated with reference to farmers' loans, so that the financial needs of family farms cannot be fully met.

the loan risk coefficient is large, but the secured mortgage is difficult to implement. Whether it is planting, 2. < P > or aquaculture, because of its long production cycle and large uncertainties, the risk system of credit funds increases. For example, price instability, epidemic, etc., may lead to the loss of breeding households, thus endangering the safety and security of bank credit funds. However, due to the current Property Law and Land Contract Law, the land contracted by farmers can not be used for bank mortgage, and family farms generally lack other effective collateral, so the cultivated land and the houses they own basically lose the mortgage qualification, while most rural credit cooperatives do not recognize that farmers use movable property such as livestock and transportation as collateral. The difficulty of mortgage guarantee is the main factor that restricts the further increase of credit support for agriculture, rural areas and farmers, including family farms.

the limit is limited and the cost is high. 3.

The Postal Savings Bank is slow to go to the countryside, and the business popularization of small loan companies is poor.

Rural credit cooperatives are still the main force to support the development of family farms, and there is little room for planting and breeding in rural areas. According to the survey, the financing channels of large agricultural households are narrow at present.

The maximum loan limit for a single household of a village credit cooperative is 1. No matter how large the family farm is, it is not allowed to exceed this limit. Some family farmers' capital demand for further expanding the large-scale operation of rural credit cannot be met. In terms of interest rate, the loan interest rate of the agency to large family farms, planting and aquaculture enterprises is maintained at 1 ‰-much higher than the loan interest rate of enterprises of the same grade, which increases the financing cost of family farms by 11‰. Due to the weak market competition, farmers can only passively accept it.

the coverage of agricultural insurance is still low. At present, agricultural insurance has been used in planting industry. 4.

Agricultural insurance in Dezhou has been popularized from Qihe County and Xiajin County. In 212, six counties and cities, including Xian, expanded to the whole city. The types of insurance are wheat, corn and cotton. Organized by the government, farmers voluntarily enter the insurance, and farmers bear % of the 2 levels of premiums, and the financial subsidy 8 is %. Take wheat as an example. The premium of 1 mu of wheat in 1 yuan, the government bears 8 farmers only need to pay 2 yuan per mu of land. If it is affected, % per mu, and the current 1 mu of wheat seeds, fertilizers and irrigation land can be compensated to 32 yuan at the highest. However, the cost of harvesting and pest control is as high as 5-6 yuan, and even the basic planting cost can't be recovered in 32 yuan. Family farmers and large growers expect to increase the premium amount and thus raise the compensation, that is, farmers pay more and insurance companies pay more. If it involves raising financial subsidies, there may be a long way to go. Even if it does not involve finance, it is paid by farmers themselves, and it has not been approved by the China Insurance Regulatory Commission. In addition, at present, agricultural breeding insurance with policy subsidies is limited to sows, and the subsidy targets are relatively limited. Because the aquaculture industry is a high-risk aquaculture household, it is expected that the state will issue aquaculture policy insurance, and once the epidemic industry occurs, < P > can reduce losses. Affection,

3. Suggestions

It is suggested that relevant departments should introduce the family farm identification standards and support policies as soon as possible. It is suggested that the relevant government departments should formulate and introduce family farms to promote the rapid development of family farms as soon as possible in combination with local conditions, so as to make them become the registration standards and support policies of the farms, and < P > be independent borrowers. Especially, on the premise of giving consideration to the interests of contractors and renters of cultivated land, enhancing the stability of farmers' leased land and encouraging the relationship between farmers' interests,

invest in the construction of farmland water conservancy infrastructure, drying and storage facilities, and encourage them to actively promote the transformation of grain production mode. The identification of family farms adopts advanced technology.

After the standards and supporting policies are implemented, financial institutions should formulate credit management measures specifically for family farms, which reasonably stipulate the loan amount and loan interest rate,

term and interest rate level. Continue to deepen the construction of rural financial ecological environment, enhance the enthusiasm of financial institutions to support agriculture-related fields, and create a depression effect of funds.

accelerate the improvement of rural financial markets. Further strengthen window guidance, and guide 2.

While doing regular financial services, rural financial institutions should optimize their services according to national agricultural innovative products, and take new agricultural business entities such as supporting household management and professional development as the focus of credit support for agriculture, rural areas and farmers, and enhance their radiation driving force. Support the development of small rural financial institutions such as village banks and rural mutual funds cooperatives, develop microfinance organizations in an orderly manner, improve the coverage of rural financial outlets, and establish a multi-level and complementary rural financial market.

improve the mortgage guarantee mechanism for rural loans. First, speed up the construction of rural land transfer service system in combination with the current work of "3.

living together". The second is to speed up financial innovation. Innovate warehouse receipt pledge and accounts receivable pledge for large-scale family farms; Explore the mortgage of land management rights under the premise of controllable risks, and learn from the "land income guarantee loan model" to finance with the future income right of land. It can

comprehensively develop policy-based agricultural insurance with financial support, and actively expand the varieties and regional coverage of agricultural insurance premium subsidies; Give corresponding preferential policies to the commercial insurance of agricultural insurance and the establishment of property insurance companies. Improve the agricultural reinsurance system and the catastrophe risk dispersion mechanism supported by the government. References:

[] Zhang Zhengping,] He Guangwen. Review on the Research Progress of Farmers' Credit Constraints [Henan Society 1J.

() Social Science, 29,3.

[] Liu Chen,] Lv Linlin. Analysis on Influencing Factors of Farmers' Credit Constraints in Beijing Suburbs [2J.

() modern business trade industry, 211.