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新鄉翻譯公司關鍵字：The main difficulties in the industrialization of agriculture loans. Agricultural credit funds should be an important part of agricultural capital investment. And in recent years, as the financial reforms, the face of increasing demands to reduce bad debts, bad debt pressure, the state-owned commercial banks and credit unions to become more cautious lending practices, leading enterprises, farmers and other agricultural industries based on organizational effectiveness issues loans outstanding. Currently, the bank put credit on the credit funds not only pay attention to security, and greater consideration to the benefits, the benefits tend to focus on regional financial support, advantages and benefits of corporate farmers, resulting in the general area, general business and the general lack of farmers should be a credit support. Meanwhile, the banking system in agriculture, agricultural credit of the "main" status is also not fully in place, "Peasants" rampant, further reducing the number of agricultural credit funds, agricultural funds exacerbated the tight supply and demand contradiction. As the formal bank loans is difficult, and agricultural production and rural living standards and lack of necessary funds, then private lending frequent. According to Wen Tiejun of the 15 provinces in 1999's survey of 40 villages, the frequency of non-prime loans was 95%, loan-sharking reception frequency is 85%. Legal protection of private finance in rural areas is not running very irregular, which in turn increased the farmers and leading corporate finance costs and risks.5, the main agricultural industry financing structure is simple. By 2000, the National Agricultural only 65 listed companies, each company's average total share capital of Shenzhen and Shanghai is only about the size of the overall level of 59%. This state of affairs and agriculture in the national economy as the foundation of a serious asymmetry. Not only that, many companies over-emphasis on short-term returns on investment in agriculture longer recovery enthusiasm is not high, even a lot of fund-raising funds to non-agricultural areas, or shares of securities companies, trust management.
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