Study On Co-Financing Mechanism Of Township In Guizhou Province

From Tang and Song Dynasty temple activities co-occur, particularly in the rural areas in the south and Jiangsu and Zhejiang coastal area, showing the trend of prosperity. Economy and Finance is a pair of twin brothers, to stimulate economic development, financial prosperity, and strong financial support of economic development, "Cooperation" This gray financing the private economy, operating in civil society was born, and has strong vitality and growth potential However, the "Rural Credit" as the link will be developed in co-financing, weak credit financing, financing higher risk, there is no circumvention measures related issues, especially the financing mechanism for risk protection measures are inadequate, in the event such risks, will led to the failure of the financing, there will be co-financing of a chain reaction collapse will be critical of private credit, seriously affect the harmonious development of society, Zhejiang, there had been such a "collapse would" lead to disintegration of families, and many other social problems.This article in accordance with finance and economics related to the effects of investment theory, financial management, financing credit and risk theory and econometric theory, the typical rural Guizhou province, "Cooperation" as the carrier. Through questionnaires and field interviews to obtain the sample data, qualitative and quantitative analysis methods, from economic and financial perspective and Finance, the financing of its subject and the object of financing acts of a comparative study of the co-financing credit and risk may, Cooperation Financing Mechanism, proposed a new model of innovative financing, identify funding as a civil cooperation Cooperation Council member financial equilibrium, will function together to prevent, "usury" of and "the uneven distribution of benefits" of. Which will regulate the financing together, the real legal status for private lending to create conditions to enhance the blood-based, geographical, affinity-based credit relations, reduce the cost of financing transactions, effective with the rural credit cooperatives credit. For solving the financing of the main towns in Guizhou gap funding needs, and promote rural economic development, assist vulnerable groups of society wealthy, to support the new rural construction and local economic development is extremely practical significance.Conclusion: The rural Guizhou Province will be developed jointly through a process from disorder to order, non-interest bearing to interest-bearing from the development process of a long history and scale of development more rapidly, forming a true sense of the mode of financing. Co-operating characteristics will reflect the women are the subject of widespread rural areas, "rural area small-scale culture", by the rural credit and risk constraints, the scale of co-financing will have limitations, together with the regional nature will be financed; it with the nature of banking loans, both investment and financing in one; Cooperation finance resources on economic development is boosting effect; Cooperation default subject and showed a certain degree of self-guilt linear relationship, the more intense guilt, breach of contract The lower rate; the risk of large joint probability of the event will be run mostly in the middle to upper; based on kinship, geographical affinity relationship between the edge of town in Guizhou together would be a risk-free, efficient use of informal financing model; from interest point of view there is no profit will boast a combined balance, but there is a benefit paid in the order interval, based on risk and returns on such theories, the closer we will be meeting members of the order, the greater the benefit gained, the closer the order will be times, will need to pay the monthly interest rate of less, but will get the money to meet other needs of the greater effectiveness.Innovation: Building a new type of co-financing mode will be to form a four-dimensional chain of trust, mutual supervision, mutual restraint, to form a complete internal control system, will co-operate to achieve a "separation of management from operation," money management "separation of duties" together will reduce the financing risk, standard co-operation will be financed, from a non-formal finance to the "rural cooperative financial" transformation of the organization; come with the "credit and risk" the theory of thinking, on the town in terms of individual financiers, credit not only their own intangible assets, it is a measure of tangible assets can, in particular when it can be used to receive a corresponding value.