关键词: 农业机械化, 金融创新, 融资租赁, 运行模式, 信用体系, 资产证券化

Abstract: The rapid development of financial leasing in recent years has effectively solved the problem of insufficient funds when purchasing agricultural machinery. It has become an important channel for purchasing largescale agricultural machinery and plays an important role in the process of promoting the structural adjustment of agricultural machinery. This paper analyzed the development status of agricultural machinery financial leasing from the policy background and the advantages and disadvantages of four typical agricultural machinery financial leasing modes, direct financial leasing, subleasing, saleleaseback, and leverage leasing. Problems such as high operating costs, lack of interest by most farmers, and the lack of credit systems were found, which lead to large financial risks and fewer financing channels that restrict business development. As a result, it was recommended to adopt measures such as increasing support, expanding publicity, building a sound credit system, and financial innovation to expand financing channels to promote the healthy development of agricultural machinery financial leasing.

Key words: agricultural mechanization, financial innovation, financial leasing, operation mode, credit system, asset securitization