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金昌翻譯公司關鍵字：Second, the financing of industrial management of agriculture bottle neckExisting financial and rural financial system in support of agricultural industrialization of the main problems:1, the rural financial system is seriously lagging behind, the industrialization of agriculture appear absence of financial support.
First, the Agricultural Bank development strategy shift, the support of the agricultural industry weakened. According to the general division of agriculture-related financial sector, the Agricultural Bank is the primary responsibility of processing of agricultural products, development of agricultural industrialization and county of small towns work. But in recent years, with the commercialization of state-owned commercial banks reform, including state-owned commercial banks, Agricultural Bank had adjusted their development strategies, promoting intensive management, according to market share, economies of scale and cost accounting principles, adjusted body network layout, implementation (shrink rural) and (urban development) simultaneously strategy, development strategy, clearly showing a tendency to shift to the city, at the same time, the focus turned to the city credit, new loans be devoted to the benefits of better, less risky focus business or industry, county and county agencies is basically only for certificates of deposit as security for loans, loans for corporate enterprises have to obtain approval. Second, the Agricultural Development Bank of the policy of a single financial services, the service function of the industrialization of agriculture incomplete. Agricultural Development Bank was established in 1994, the aim is to achieve short-term tasks such as agricultural Liangmian closed the acquisition of funds to run, long-term task is to give full play to enhance the role of agricultural economic development potential. In 1998, the State Council decided to host the Agricultural Development Bank rural poverty alleviation, agricultural development, grain and cotton companies doing business with other items of loans reclassified back to ABC. From the Agricultural Development Bank's role is limited to the acquisition of funds to strengthen Liangmian closed operation. According to the current situation, the Agricultural Development Bank is actually a product of China's grain circulation policy, it could not serve to strengthen the role of agricultural development potential. From the current functions of the position and role of point of view, is only partly solved the realization of the value of agricultural products, from a development bank function too far behind. Third, the rural credit market position and their own weak and inadequate to support the industrialization of agriculture. From the current management, the rural credit market position in the service (Agriculture), mainly to small farmers loans, loans to individual businesses in rural areas and farmers guaranteed loans mainly from the period, the amount and the way it is difficult to meet the agricultural industry development needs. Market orientation of rural credit cooperatives and agricultural industrialization leading enterprises demand for credit dislocation. Rural credit cooperatives to support the industrialization of agriculture to be inadequate, the main features: First, by means of settlement and other factors, rural credit cooperatives sequestration is difficult, heavy burden of history, financial strength to support the industrialization of agriculture is limited; Second, the rural credit cooperatives can not meet development of agricultural industrialization leading enterprises in particular, the settlement demand. Leading enterprises in the market, not regional, and high sensitivity requirements of a national clearing channels, smooth, efficient, but the existing settlement pattern of rural credit cooperatives can not meet the settlement needs of leading enterprises.
2, the agricultural industry of their own vulnerability and the financing of agricultural enterprises within the weak nature, restricted credit for the industrialization of agriculture.
Weak nature of agriculture itself makes agricultural loans bear high risk. Agricultural production cycle is long, large affected by natural conditions, which makes agricultural output there is great uncertainty. The elasticity of agricultural supply and demand facing small and large agricultural market risk, increased investment in agriculture income uncertainty. Agricultural production, high-risk, long cycle and low-income and other major characteristics determine the vulnerability of agricultural industrialization. For new projects of agricultural industrialization in the early stage of industrial management has put in more risky, and low efficiency, as the subject of those loans and increased risk of financial institutions, which to some extent, inhibit the effective input of agricultural credit, resulting in directly related to agricultural development potential of some important loans for infrastructure projects rarely. Financing of agricultural enterprises within the weak performance of major agricultural enterprises in some of its overall strength and core competitiveness, the technological level of agricultural industrialization is not high, the internal credit bank loans reach the requirements. Short history of primitive accumulation, lack of own funds, its own working capital deficiencies, small scale, weak anti-risk capability. Internal governance structures are often not standardized, enterprise unclear property rights, the modern enterprise system and the modern property rights system needs to be further improved. Corporate credit rating is low, so there is no long-term credit in the bank to form the basis of the credit status is not stable, poor access to secured loans. Financial sector, taking full account safety, liquidity, interest of the principle, bound to the initial stages of the industry leading enterprises cautious, which greatly limits the agricultural credit for industrial development.
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