Build a close financial interest chain between grain production and marketing

Enlightenment of grain enterprises helping large grain growers to solve financing difficulties in Sihong County

After the development of large grain growers in our country, the problem of funds is followed. To solve the problem of funds for the production and development of large grain producers has become a major problem for the development of large grain producers at present.

The large grain growers in Sihong County mortgage the grain in the field to the local grain processing enterprises, and the enterprises provide loan guarantee for them, which is an effective way to solve the financing difficulties of the large grain growers.

Large grain growers have obtained mortgage funds and reproduction can be carried out continuously.

Different from the production of general crops, the important characteristics of grain production are as follows: first, the capital investment in the early stage is large. A large grain producer who grows 1000 mu of grain needs millions of yuan in one season. Second, the production cycle is long. It takes more than eight months for wheat to be harvested and more than four months for rice.

The characteristics of grain production determine that grain producers must have sufficient working capital to support the development of production. When every household is engaged in grain production, because the population is only a few mu of land, it does not seem to be very difficult to put into production. When the scale of planting grain reaches dozens of mu, hundreds of mu, or even thousands of mu, tens of thousands of mu, the continuous production investment makes them stretched.

The difficulty of cash flow of large grain growers is a kind of appearance. From a deep point of view, it is that resources have not been reasonably developed and utilized. Compared with grain processing enterprises, the grain crops of large grain growers in the field are very good resources. Based on this understanding, Subei Grain and Oil Company, located in Sihong County, has been providing loan guarantees for large grain growers since April this year. Zhao Dongdong, general manager of the company, said that large grain growers with loan demand will mortgage the grain in the field to the company, which will be purchased by the company after harvest, and the price is equal to or higher than the market price, and the company will provide bank loan guarantee for large households. With grain processing enterprises to increase the guarantee of grain loans for large grain growers, the difficult problem of production capital turnover of large grain growers can be effectively alleviated, and re-production can be carried out continuously.

Grain processing enterprises can ensure the production and operation of grain sources.

Under the condition of market economy, except for a very small number of special commodities monopolized by the state, the vast majority of commodities are managed through market competition.

Since the marketization of grain purchase and sale and the diversification of business entities, the competition in the grain market has become increasingly fierce. Especially for the grain processing enterprises that survive by processing, the degree of fierce competition is even fiercer. In recent years, under the impact of cheap imported grain, small processing enterprises have been basically eliminated, a large number of medium-sized processing enterprises have been reorganized, and large enterprises have been seriously underworked, making it difficult to survive and develop.

Sihong County implements the method of grain guarantee loan in the field, which not only alleviates the financing difficulties of large grain growers, but also provides a solid material foundation for grain processing enterprises. With a continuous supply of grain from large grain growers, the production and operation of processing enterprises can be carried on continuously.

Grain production and marketing realize the effective connection and maximize the utilization of social resources.

As we all know, food is the most important commodity indispensable to human survival. All, it is such an important commodity related to the national economy and people's livelihood, the waste in the production and processing link is also very astonishing.

In the process of grain production, because farmers do not understand the market demand, the grain varieties planted are not marketable, resulting in a backlog of products and being harmed by insects, molds and rodents; in the case of implementing the policy of minimum grain purchase price, although the state has purchased it, it is only accumulated in grain warehouses; in some places, the soil is polluted and cannot grow grain, while farmers grow grain, which makes it impossible to circulate in the market.

In the processing link, grain processing enterprises passively purchase grain produced by farmers. Not only the varieties are mixed, the products cannot be sold at a good price, but also some grains are contaminated and cannot be sold.

Sihong County implements the method that processing enterprises guarantee loans to large grain growers in the field, which can better solve the above problems and maximize the utilization of social resources.

Grain processing enterprises guarantee loans for large grain growers, virtually enhancing the sense of responsibility of processing enterprises. Before sowing grain, on the one hand, processing enterprises will examine the situation of farmers' cultivated land, whether there is pollution, and whether it is suitable for growing grain; on the other hand, they will also tell farmers to plant marketable grain varieties; at the same time, it will also put forward strict requirements for the use of chemical fertilizers and pesticides in the process of planting. It is understood that in order to strengthen the connection with the interests of large grain growers, after providing loan guarantees for large grain growers, the Subei Grain and Oil Company will specially send experts to guide the grain management of large grain growers in the field to help them increase production and income. for large grain growers, the company adopts the technical regulations formulated by the company to grow new varieties, and the company buys new varieties at a high price. The Subei Grain and Oil Company has also taken the lead in setting up a chamber of commerce for large grain growers, using a good faith mechanism to guide large households to plant and sell according to the contract, and to supervise enterprises to serve large households wholeheartedly. The grain produced in this way will become a best-selling product on the market.

It is reported that grain processing enterprises have solved the financing problem of 5.7 million yuan for 25 large grain growers and family farms in Sihong County, Jiangsu Province.