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家庭农场是我国经济发展到一定阶段的必然产物,更是我国解决当前农村外出打工人口增多、农田闲置、效益低下的必然对策,但是由于其存在的固有缺陷,如经营者的素质、管理水平、农业本身的风险性等原因,难以从商业银行筹集到发展所需资金,一直徘徊在低端发展水平。基于此,本文对某市家庭农场融资现状进行了研究,分析当前家庭农场融资存在的问题,并从家庭农场自身和商业银行两个方面提出解决对策。
Family farms are an inevitable outcome of our country’s economic development to a certain stage. It is also an inevitable countermeasure for our country to solve the problem of increasing migrant workers in rural areas, idle farmland and low profits. However, due to their inherent shortcomings such as the quality and management level of managers, The risk of agriculture itself and other reasons, it is difficult to raise funds needed for commercial development from banks, has been hovering at the low level of development. Based on this, this paper studies the current situation of family farms financing in a city, analyzes the existing problems of family farms financing, and proposes solutions from two aspects: family farms and commercial banks.