Farmer Professional Cooperatives Loan Mode Research

Organization of economy of farmer major collaboration is broad farmer masses in the household contract responsibility system based on the exploration of the double management system of unified management combined with great creation, is the important way to improve the rural governance structure. Ziyang City, Sichuan Province regional economic and credit environment, in the central and western regions in the county economy has certain representative, local farmer professional cooperatives loan pilot business model involves a broader, multi-participant, pilot larger business, the financial institution has more important significance of the sample. This article take the Ziyang pig farming cooperatives professional financial support as a case, undertake an analysis, initial presentation of Sichuan Province of a commercial bank (hereinafter referred to as A) farmer professional cooperatives loan development.First of all, through case presentation of Sichuan Province and Ziyang city is the regional economic characteristics, and local governments to suit one’s measures to local conditions to put forward " six party cooperation+insurance" mechanism. Then introduce A bank government responded positively to the call, the first and pilot Professional Farmers Cooperatives Loan new varieties. This paper introduces the varieties of loans and the relevant provisions of the specific mode of operation, through the contrast details of the model in the system innovation, the data supporting a description of a pilot obtains good economic benefits and social benefits. Of course, farmer professional cooperatives loan is only a pilot rural financial products, some inevitable problems, the problems from" six party cooperation+insurance" mechanism is not fulfilled reach the designated position, the farmer specialized cooperative organization itself not standardized management, loan management of defects exist in three aspects to carry on the thorough analysis, listed the issue the reason of the case, and overall implementation of summary and reflection.Then, based on case analysis, to the commercial banks to support the farmers professional cooperatives and the significance of professional farmers cooperatives, depend on the development of prefectural region economy current situation and future trend analysis, pointed out that the prosperity of prefectural region economy is ecbolic a broad financial target market, and to derive new rural economic and financial services and financial products and services, financial demand. But on the other hand, because itself of prefectural region economy development the low level, lopsided sex and bigger management risk to financial institutions to support the rural economy of the cautious attitude, strength is relatively small, in recent years, financial institutions to carry out intensive to change strategy and the reform of prefectural region, and dot, triage staff, taking the credit rights, promotion operation level, credit market focus is transferred to the city, the county loan function is weakened, some county branch became bad loan "great savings bank", rural capital outflow is serious, aggravate the rural economy the loan difficult problem. Farmer" loans to financial institutions" and" risk" is always restrict the development of farmer professional cooperatives in the key difficulty.Finally, the contradiction of supply and demand on the basis of analysis, the author puts forward on Farmers’ professional cooperatives in general, should adopt "the support of a number of cooperation, a number of, breed a batch of business strategy. According to "appropriate news agency, to households households " principle, a flexible choice of the object of credit and support way, mainly through three modes of cooperation, increase product innovation especially security innovation, by comparison, analysis of the foreign farmer (small) risk prevention of loan mode, put forward risk prevention and control measures.The purpose of this paper is:through the case the actual execution effect summary, for the future of professional farmers cooperatives finance development, to ensure that new period "3farming service" smoothly.