Journal of Texas University

Journal of Texas University

. 29Vol

July 38, 2065 +03

Investigation report on financial support of family farm

Jaco

() MBA Center of Guizhou University of Finance and Economics, Grade 20 1 1, Guiyang 550000.

The contradiction of low efficiency is conducive to improving economic efficiency. This is an abstract: new agricultural management entities such as family farms have effectively solved the problem of decentralized land management.

An important way to develop modern agriculture. 2. It brought a new document No.0 13, the suggestion of the Central and Central Rural Economic Conference on encouraging and supporting the development of family farms, and the development opportunity of Texas * * * registering and establishing family farms 8. As of June 25th, 20 13, there are two. At present, the financial services provided by financial institutions to family farms are still mainly the financing services of issuing farmers' loans.

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

() China Library ClassificationNo.: F832 Document IdentificationNo.: A DocumentNo.:1004-94442013-0138-03.

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

Crop planting, pig breeding and sales.

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

Fumin Family Farm in Deping Town, Linyi County, registered in March 1 1, 2065438, and located in Xiguan, Deping Town, Linyi County. It employs eight people, including Wei Dedong and his spouse, Wei Dedong's parents, Wei Dedong's brother and his spouse, Wei Dedong's sister and his spouse. Its business is mainly engaged in the breeding of wheat and corn varieties, wheat and corn and other legal representatives.

Wei Dedong has been engaged in large-scale planting since 2008. When you meet him, you dare to be the first and explore. Through land circulation, he has embarked on an agricultural industrialization management road of applying agriculture to give full play to the role of enriching the people and realize large-scale planting.

The leading role of wheat planting professional cooperatives has imparted scientific and technological knowledge to the surrounding people free of charge, helped the villagers embark on the road of common prosperity, and achieved good economic and social benefits. Become a well-known grain grower and a leader in science and technology. In 2008, 2009 and 20 10, it was awarded the honorary title of "National Grain Producer" by the Ministry of Agriculture for three consecutive years.

He was elected as the representative of the 10th Party Congress of Shandong Province and the 17th People's Congress of Dezhou City.

Main measures and effects of Wei Dedong to develop agricultural scale planting in recent 10 years;

Increase land circulation and improve planting efficiency. 1.00 1 year, Wei Dedong invested and opened an agricultural store in the government residence of Deping Town to provide high-quality seed pesticides and technical services for farmers and friends around him. After several years of careful management, the scale and benefits have been expanding. He learned that at the beginning of 2008, because most of the villagers were doing business or working outside, the land in the villages around the town was very low, 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, engaged in planting and developing grain production. Due to the contract of other departments, 0 mu,

Rational fertilization produced good economic benefits in that year and strengthened learning management.

His confidence and determination to make the land transfer bigger and stronger. In 2009, he took the lead in registering and filing more than 300 acres of land in nearby villages. In 20 10, the scale of land transfer in cities and States was the largest, and Linyi County was the first land transfer cooperative, with a registered capital of1200,000 yuan by the end of two years. By the end of 0 1 1, the amount of land transferred reached 1830 mu, and with the strong support of the local party Committee and government, he made a profit of 1 more than ten thousand yuan. 20 12 the scale of land circulation is constantly expanding. Wang Hu, Jiaochang and other villages 1 20 households have signed land transfer contracts, and the total land transfer area of 1 00 mu has reached 3/kloc-0, which is expected to reach 5,000 mu by the end of 2003.

Strengthen foreign cooperation and improve the level of scientific planting. Comprehensively improve the scientific level.

Planting level, he actively strives for the Municipal Academy of Agricultural Sciences to establish 20 1 1 in Deping Town, and establish a scientific research experiment demonstration base at the beginning of the year. In addition, seed breeding contracts have been signed with seed breeding companies such as Ningjin Liangxing Seed Technology Co., Ltd., Wang Lianzhou and Cao Jia.

The breeding area of Yecun 1 improved varieties has reached 30,000 mu, and that of Rogate Company in France has more than 0. 000 mu. The waxy corn planting order has been signed, which is about 0. 00 2 yuan per kilogram is higher than the market price, which improves the planting efficiency.

Cooperative management, give 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 led the establishment of Fumin Agricultural Machinery Cooperative, bought wheat and established Fumin Planting Cooperative.

Combine harvester, corn combine harvester, deep cultivator, subsoiler, no-tillage seeder, wheat wide precision seeder) Large crop sprayer 10 (2 sets, 1 Development members drive 260 sets, more than 00 households, 1000 people get rich through mobile phones. The organization has established a free agricultural technology information publishing platform,

Send the latest agricultural technology news to the masses in the form of letters. Holding farmers' science and technology training classes and regularly inviting relevant agricultural experts to provide technical training for farmers have greatly improved the production skills and management level of the masses. A demonstration base of science and technology covering an area of more than 800 mu and a demonstration base of agricultural standardized production covering an area of more than 1000 mu will be built, so that the average yield of wheat per mu will be 5 kg, and that of corn will be more than 50 kg, and the cost per mu will be reduced and the efficiency will be increased 1700 kg, more than RMB 00 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 materials,

Strengthen demonstration and actively lead the adjustment of planting structure. In order to diversify, 4.

In order to really improve the planting efficiency, he built 80 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, production management is organized in strict accordance with modern agricultural standards, and low-grade products are used to improve product quality.

Toxic, low-residue pesticides and bio-organic fertilizers, green and pollution-free organic cultivation. At the same time, we actively cultivate our own brand, and registered the trademarks of "Getting Rich by Honesty" and "Wang Xinliang" 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, mainly financing services. The form of loans is still 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 leasing and land consolidation and purchasing fixed assets.

Provide financing services. At present, financial institutions mainly issue loans to farmers 1.

Provide financing services for family farms. Credit cooperative loan certificate loan is approved at one time, used with the loan, balance control, turnover use, and convenient and fast in three phases. However, due to six months, the maximum amount is only limited by the credit policy of 1 credit cooperatives, which is 500,000 yuan. It is more convenient for ABC to apply for farmers' loans through the Huinong card than the credit card of the credit union, and it is not necessary to go to the service terminal counter. However, since Huinong Card Push can handle loan issuance and repayment,

A large area of defective products appeared shortly after the release. At present, only civil servants can guarantee farmers. Credit cooperatives are still the main force supporting family farms.

Provide settlement facilities. Large-scale farmers generally work in local rural areas in their own names.

Credit cooperatives open personal settlement accounts, and the annual grain subsidies for planting wheat and corn, as well as the sales funds formed by paste (sow breeding subsidies (120 yuan/mu) 100 yuan/head) are all settled through credit cooperatives for daily purchase and sale.

Credit cooperatives can also handle online banking and telephone banking to provide convenience for large aquaculture households.

So that you can handle the transfer settlement without leaving home. Such as modern financial services,

Provide cash support. As a large local breeding industry, Xinxiang 3.

Users also provide them with cash support to ensure that they have enough cash supply.

Third, the main problems

The accreditation standards and support policies need to be further improved. I. Current residence 1.

As a business entity, Tingnong is registered in the Industrial and Commercial Bureau, and there is no specific definition standard.

Marketability, sociality and legal person status have not yet been established. Second, because there is no institutional guarantee for the investment in fixed assets during land transfer and contracting, most families spend one year.

Farmers are afraid to invest in fixed assets such as water conservancy. Third, agricultural financial institutions have not made it clear that family institutions have not formulated detailed rules for the management of family farm credit.

Whether the farm has the qualification of loan undertaker or not is still managed and operated mainly by referring to farmers' loans in credit management, which makes the financial needs of family farms unable to be fully met.

The loan risk coefficient is large, but the secured mortgage is difficult to implement. Whether it is planting, 2.

Or aquaculture, because of its long production cycle and great uncertainty, the risk system of credit funds increases. Such as price instability, epidemic situation, etc. , may lead to the loss of farmers, 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 cannot be used for bank mortgage, and family farms generally lack other effective collateral, so the cultivated land and the houses they own are basically disqualified from mortgage, and most rural credit cooperatives do not recognize farmers' 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.

Limited quota and high cost. There are less than three institutional outlets of the Agricultural Bank of China in towns and villages.

Postal savings bank is slow to go to the countryside, and the business popularization of small loan companies is poor, mainly enterprises.

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

The maximum loan limit of a village credit cooperative is 1. No matter how big 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 for large family farms, planting and breeding enterprises remained at 65,438+00 ‰-much higher than that of enterprises of the same grade, and the loan interest rate for family farms increased by 65,438+065,438+0 ‰.

Financing cost. Due to the weak market competition, farmers can only passively accept it.

Agricultural insurance coverage is still low. At present, agricultural insurance has been in 4.

The agricultural insurance in Dezhou started from Qihe County and Xiajin County. 20 12 six counties and cities including Xi' an were expanded to the whole city. The types of insurance are wheat, corn and cotton. Organized by the government, farmers voluntarily enter the insurance, farmers bear 0% of the second-level premium, and the financial subsidy 8 is 0%. Take wheat as an example. The premium of 1 mu of wheat is 10 yuan. The government assumes that eight farmers only need to pay 2 yuan per mu of land. In case of disaster, 0% per mu. At present, 1 mu of wheat seeds, fertilizers and irrigated land can get the highest compensation from 320 yuan. The cost of harvesting and pest control is as high as 500-600 yuan, and even the basic planting cost cannot be recovered in 320 yuan. Family farmers and large growers expect to increase the premium amount, thus increasing 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 the farmers who pay for it themselves and have not been approved by the China Insurance Regulatory Commission. In addition, at present, the agricultural breeding insurance subsidized by policy is limited to fertile sows, and the subsidy targets are relatively limited. Because the aquaculture industry is a high-risk farmer, it is expected that the state will introduce aquaculture policy insurance. Once there is a popular industry,

Can reduce losses. Love,

Three. suggestion

It is suggested that relevant departments should issue family farm identification standards and support policies as soon as possible.

Policy. It is suggested that the relevant government departments should formulate registration standards and support policies for family farms in light of local conditions, so as to promote the rapid development of family farms and make them become farms as soon as possible.

An independent loan accepting entity. In particular, on the premise of giving consideration to the interests of contractors and lessors of cultivated land, we should enhance the stability of land leased by farmers and stimulate their interests.

Invest in the construction of irrigation and water conservancy infrastructure, drying and storage facilities, etc. Encourage them to actively promote the transformation of grain production mode. The appraisal of family farms adopts advanced technology,

After the implementation of the standards and supporting policies, financial institutions should formulate credit management measures specifically for family farms, and reasonably stipulate the loan amount and loans available to family farms.

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, guide 2.

While doing regular financial services, rural financial institutions should optimize their services according to national agricultural innovative products.

Take farmers, family farms and other new agricultural business entities 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 rural loan mortgage guarantee mechanism. First, combine the current "River Village 3".

Work together to speed up the construction of rural land transfer service system. The second is to accelerate financial innovation. Innovative scale family farm warehouse receipt pledge and accounts receivable pledge; Explore the mortgage of land management rights under the premise of controllable risks, learn from the "land income guarantee loan model" and finance with the future income right of land. can

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

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

() Social Sciences, March 2009.

[] Liu Chen,] Lu. Analysis on Influencing Factors of Credit Constraints of Farmers in Beijing Suburb [2J] ..

() Modern commercial trade industry, 20 1 1, 10.

[] Chen,, etc. An Empirical Analysis of Credit Constraints of Farmers in China [Cai 3j].

() Sister Jing, 2013,5.

In order to build a bridge between financial institutions and farmers, farmers transfer the income right of two-thirds of the contracted land to the public welfare platform company established by the government, and then this platform provides guarantees for farmers to borrow money from financial institutions. Once farmers fail to repay on time, the platform company will repay on their behalf. The funds come from farmers' company's own funds and special financial guarantee to transfer land subcontracting income.

Fund. The third is to promote the government to establish professional policy-oriented agricultural guarantee companies to provide guarantees for large farmers and family farmers. Accelerate the promotion of policy-based micro-loan insurance, and explore the establishment of policy-based insurance business supported by the government and involving enterprises and banks.

Diversified rural credit guarantee systems, such as sex, commerce, industry and mutual assistance, reasonably disperse and transfer the risks of rural financial business.

Accelerate the construction of agricultural insurance. Improve agricultural policies, insurance and commerce.

Allow farmers to voluntarily pay premiums and increase the amount of premiums. Institutional arrangement of sexual insurance (continued1page 37)

To build a "five-type" cadre team, we should focus on strengthening the function of monetary policy and improving financial services and realize three adaptations: increasing the total number of talents and protecting financial stability.

Adapt to the development of financial business; Improving the quality of talents is in line with the duties of the central bank, and adjusting the talent structure is in line with highlighting the key functions of the central bank. Adapt;

Deepen the reform of the cadre and personnel system and carry out personnel post exchanges. At 1.

In the process of "two departments and two rooms" competing for posts, the "split staff" implemented by Jinan Branch in September 2006, especially those with low academic qualifications and older employees, are unable to master and adapt to modern financial knowledge and scientific and technological business operations, and the business error rate is high. In view of this situation, under the premise of ensuring the safe and stable operation of all basic businesses, we should strengthen the rational flow of personnel, implement the post rotation system within and between professional departments in a planned and step-by-step manner, communicate regularly with cadres in charge of money, goods and people, and make appropriate personnel fine-tuning.

Only with multiple departments and positions can we be familiar with the business, increase our talents, realize the multi-functions of cadres and workers, maximize the efficiency of the use of human resources, promote the comprehensive professional quality of employees through job rotation, and reduce and avoid the occurrence of business risks.

Personnel access channels are clear. Reasonably allocate the annual enrollment quota of sub-branches, 2.

The head office will recruit new employees and directly enrich the front line of branch business. Expand colleges and universities to recruit fresh graduates. Graduate enrollment scale,

Establish a long-term mechanism for employee training. The first is to improve the training of employees.

Sex and effectiveness. Formulate and strictly implement the training plan, distinguish different levels, do not take effective measures, constantly adjust and update the training content, and improve the training position.

The training is targeted, timely and forward-looking, and a long-term mechanism for promoting learning has been established. Second, the training methods are flexible and diverse. The good methods accumulated by the People's Bank of China for a long time, such as holding academic lectures, can still be used, or supplemented by self-employment training. In the near future, focus on distance education for employees,

Supervise and guide the work of the training system, improve the comprehensive quality and adapt to the performance.

Work needs.

Formulate a scientific performance appraisal system to stimulate the enthusiasm of cadres and workers. 4.

Persist in constantly improving and perfecting the performance appraisal of county branches, combine the weak links of business development, and highlight two aspects: scientifically formulating the basic work of annual performance of bankers and encouraging the first to strive for Excellence in accordance with the principles of fairness, justice and positive incentives.

The evaluation system strengthens the incentive of striving for excellence, and strengthens the evaluation of employees' personal behaviors and job responsibilities. The evaluation results are linked to the distribution of living wages, and combined with the appointment, training and distribution of cadres, which embodies the policy of respecting labor, performance, talents and creativity, and truly overcomes the disadvantages of doing well, doing more and doing less, and doing differently, encouraging officers to start businesses, inspiring people, and effectively improving branches.

Fully implement the risk control concept of professional ethics management. The first is to achieve post 5.

Normalization, institutionalization gives you a reasonable psychological communication institutionalization,

Period, to promote the rapid growth of high-quality talents through regular exchanges, and provide more room for the integration of human resources in the unit. Second, continue to deepen the exploration of scientific classification of county sub-branches, scientifically set up posts, optimize work processes, make full use of "one person with more posts, one specialty and many functions", and give full consideration to the liberation of productive forces by grassroots central banks through science and technology.

Personnel structure characteristics, attract professionals, improve the age and education of personnel, rationally set up institutions and posts, and maximize the professional structure.

Ensure the safety of funds and complete various tasks. References:

[] Sun, Qi Guanghua. Development and management of human resources in public sector [North 1m].

Renmin University of China Press, Beijing: 2004.

[] Chen,, et al. Advanced Course of Human Resource Management and Development [2]. Beijing:

Higher Education Press, 2004.

[] Xiao Zhengming. Development and Management of Human Resources [Peking University Publishing House 3M]. Beijing:

Society, 2005.