The Research On The Problems Of Specialized Farmers Cooperatives In Shenyang

Recent years, as a series of agricultural support policies have been put forward, the specialized farmers cooperatives develop rapidly in Shenyang rural area, and they have gradually become an important economic subject in rural area. In order to expand their business and extend their scope of services, they have to get loans from the local credit unions to solve the problems of shortage of funding. However, the local credit unions are not willing to offer the loans for them. It not only restricts the development of the specialized farmers cooperatives but also loses a big customer segment for the local credit unions. In view of the above-mentioned problems, this article bases on the related financing theory, in the light of the special features of the local specialized farmers cooperatives, analyzes the restricting factors of loan problems of specialized farmers cooperatives.This paper divided into four parts, they are:The introduction part introduces the background, the purpose, and the significance of this research, expatiating on the developments of research in this area of home and abroad, and then put forward the way of thinking and the research method also, making delimitation of specialized farmers cooperatives.The second part introduces status quo of specialized farmers cooperatives loans. The number of the specialized farmers cooperatives and their members has an apparent increase trend. At the same time, they have imperious demands for funding, however, the local financial institutions offer a limit loans for them.The third part, the focal point of this paper, analyzes the loan problems of the specialized farmers cooperatives. The reasons of the difficulties of the specialized farmers cooperatives and their members to borrow the money are:(1) large amount of fund outflow from rural financial institutions. The single structure of rural financial institutions is lack of competition. (2) The financial products relating to specialized farmers cooperatives are not explored yet and the grantee method is inflexible, this aggravates difficulties for the specialized farmers cooperatives which are already serious shortage of pledge assets to meet the loan requirements of the financial institutions. (3) The credit evaluation system is imperfect. (4) Banks are not willing to get into this area because of the loan risk from the specialized farmers cooperatives is great. The fourth part is the featured and innovated part of this paper. The rural credit cooperatives can solve financing problems of the specialized farmers cooperatives through the featured products and revolutionary model. The rural credit cooperatives should:(1) introduce more featured financial products to serve the specialized farmers cooperatives. Rural credit cooperatives can adopt "co-guarantee" and "rural credit cooperatives+guarantee agency" model to solve the specialized farmers cooperatives problems of the shortage of credit. (2) introduce "rural credit cooperatives+insurance company+government subsidy" model to prevent and solve the risks in credit, increase the return rate.