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本文主要从家庭农场自身原因、自然条件、金融等方面进行分析,确定我国家庭农场的长久发展需要资金支持,需要进行融资。发现由于存在家庭农场自身规范水平不够、有效抵押资金不足、业风险高且抗风险能力差、农业保险体系不健全并且缺乏配套的金融机构等突出问题,使得家庭农场发展面临融资瓶颈。本文结合我国实际以及考虑现实可操作性问题针对所提出的不足和原因提出了促进家庭农场自身发展建设、创新家庭农场抵押担保方式、加大政策扶持力度、完善农业保险制度以及创新金融服务等能够适应新形势下家庭农场发展需要的对策。
This article mainly analyzes the family farms from their own causes, natural conditions, finance and other aspects to determine the long-term development of our family farms need financial support, the need for financing. Found that due to the existence of familial farms not enough standardization of their own, effective lack of adequate funding, industry risk and anti-risk ability is poor, the lack of adequate agricultural insurance system and the lack of supporting financial institutions and other outstanding problems, making family farms face financing bottlenecks. Based on China’s actual conditions and considering practical problems, this paper proposes some suggestions to promote the development and construction of family farms, innovate family farms mortgage guarantee, increase policy support, improve agricultural insurance system and innovate financial services Countermeasures to Adapt the Development of Family Farms in the New Situation.