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Empirical Analysis of Influencing Factors of Commercial Bank Loan Services Targeting New Agricultural Management Entities -- Study of China's Shangyu District and Huangyan District

机译：针对新型农业经营实体的商业银行贷款服务影响因素的实证分析-中国上虞区，黄岩区研究

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At present, the financing difficulty of new agricultural management entities is increasingly outstanding, while bank financing acts as an important method to solve this problem. According to commercial bank services, this paper carried out an empirical analysis of influencing factors of new agricultural management entities' financing, based on Logistic model. The analysis results show that several factors have effects on the new agricultural management entities' satisfaction of agricultural loan. The factors include the type of new agricultural management entities, the degree of familiarity towards financing services, the requirements of mortgage and guarantee, the diversity of financing products, the convenience of application, the loan limit, and the political and financial supports of government. As a conclusion, promoting urban credit system construction with two-right mortgage, agricultural loaning service networking and research of pertinent agricultural loaning products will help solve this financing difficulty.
机译：目前，新的农业经营实体的融资难度日益突出，而银行融资是解决这一问题的重要手段。根据商业银行的服务，基于Logistic模型，对新的农业经营实体融资的影响因素进行了实证分析。分析结果表明，若干因素影响新的农业经营实体对农业贷款的满意度。这些因素包括新的农业管理实体的类型，对融资服务的熟悉程度，抵押和担保的要求，融资产品的多样性，应用的便利性，贷款限额以及政府的政治和财政支持。综上所述，以两权抵押，农业贷款服务网络化和相关农业贷款产品的研究促进城市信用体系建设将有助于解决这一融资难题。

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