A Study Of Behavior And Factors Affecting On Farmers Participating In Rural Mutual Fund Cooperative

Because of feeble constitution, high risk and instability on agricultural, commercial banks which pursuit of economic evacuate massively from rural in the vast rural areas in China. Because its function to support agriculture is weakened, rural credit cooperative as the main force of rural financial services can't effectively play financial supply function and meet the demand of farmers borrowing funds. In order to expand the rural financial service's supply, fill the rural financial service's blank, rural mutual fund cooperative which relies on rural economy and is rooted in the village, arises at the historic moment. Farmers as the behavior corpus of rural mutual fund cooperative, participate in or not will directly affect the development of rural mutual fund cooperative. Therefore, studying the behavior and factors affecting on farmers participate in rural mutual fund cooperative from the perspective of farmers' participation has positive realistic meanings for unfolding publicity mobilization better, leading farmers to participate in rural mutual fund cooperative and promoting mutual fund cooperative's development.This text references the cooperative finance theory, empowerment theory, financial repression and deepening theory and rural local knowledge theory, under reviewing the related literatures of rural mutual fund cooperative and farmers' behavior, researches the pilot profiles of rural mutual fund cooperative throughout the country and the situation about rural mutual fund cooperative's development in Sichuan province and Ya'an city. Depend on the first-hand data by means of field visiting survey of a districts and five counties in Ya'an city adding up to 301 farmers and other statistical data, this text analyses the relevant characteristics of sample farmers, the behavior of farmers in Ya'an city participating in rural mutual fund cooperative, uses regression model to analyze which factors affecting farmers participate in rural mutual fund cooperative and proposes relevant policy suggestions on(?)basis.Through analyzing and studying, the main conclusions of this text were as follows: (1)Participating in rural mutual fund cooperative, farmers'financing behavior can be realized. Rural mutual fund cooperative alleviates the predicament of farmers' funds shortage and provides convenient, efficient, timely and effective financial services for farmers. Farmers participate in rural mutual fund cooperative, making their financing behavior can be realized, but farmers'borrowing amount from mutual fund cooperative is smaller.(2) Influencing factor's regression analysis on farmers'participation reveals that farmers'business activities scale and cognitive degree have significant positive effect for them to participate in rural mutual fund cooperative. For another words, farmers' business activities scale is bigger, cognitive degree is higher, the probability of farmers participate in rural mutual fund cooperative is bigger.(3) According to the influencing factor's regression result on farmers'late participation, farmers'cultural degree has significant positive effect for them to participate in rural mutual fund cooperative in later period. For another words, farmers'cultural degree is higher, the probability of farmers participate in rural mutual fund cooperative is bigger in later period.Based on the above research conclusion, this text proposes some policy recommendations as follows:(1) Enlarging capital resources and improving farmers' borrowing limit; (2) Strengthening policy propaganda and improving farmers' cognitive degree; (3) Increasing rural education's investment and improving farmers' cultural level; (4) Strengthening training about agricultural technology and improving farmers' ability on production and business operation;(5) Establishing coupling mechanism and broadening farmers'financing channels.