Research On Financial Problems Of Farmers Professional Cooperative

In recent years, the "three rural" problem has been the focus of national economic policies to get in, and closely related to the countryside, farmers, agricultural development, farmers’ professional cooperative has also been the concern of the State and society, but despite government support at all levels, around the development of farmer professional cooperative, however, is not satisfactory, one of the main reasons is the question of financing. All over the shortage of funds is a general problem facing the development of farmer professional cooperative, in the absence of funding support cases, farmers’ cooperatives’success was minimal. Financing problems of peasant professional cooperative is a necessary prerequisite to the development of farmer professional cooperative.This article began with the basic characteristics of farmers’ professional cooperative financing difficulties, according to the relevant data in different provinces, concluded that farmers’ cooperatives in recent years around the financing of basic features. First of all, less equity, Needs more. Farmer cooperatives in many areas in the original when it joined the farmers’ cooperatives, generally only pay a small amount in the share capital, and members are free to return, resulting in initial funding instability, lack of initial funds raised financing needs, there is a lot of data reflecting the financing needs of farmers strongly. Second, strict conditions and loan difficulty. Addressing funding needs to find a way out of the banking system in general, but farmers’cooperatives in the face is not a sound financial environment. After five state banks work on commercial business. They would not like to support agricultural industry, due to its period long, benefit low. They often does not willing to loan out money, joint-stock commercial banks take less responsibility. Under Anhui Province statistics publishing of related data, in2009, agriculture from State Bank and the joint-stock Bank get short-term loan is about1.3%. Agricultural financing main rely on rural credit union, and rural commercial banks and rural cooperation bank. Although these three types of trends in banking has developed rapidly in recent years, particularly rural banks and cooperative banks, but because they are still at an early stage of development, is not popular in rural areas, and farmers’cooperatives are often difficult to meet its loan conditions, thereby causing farmer professional cooperative financing problems still exist. Last is a civil perspective. High cost, high risk. Private lending is not a regulated market or a system of constraint mechanisms, oversight mechanisms, operation chaos, there is a risk of higher interest rates, big problems, and lots of peasant professional cooperative management benefit not optimistic and cannot afford such a high interest rate and high risk.According to the basic characteristics of peasant professional cooperative financing difficulties and constraints, analyze the major causes of peasant professional cooperative financing difficulties. Peasant professional cooperative financial problems have two main reasons, internal and external reasons. Internal refers to the cooperatives themselves, imperfections of the cooperative system, lack of collateral,"identity" are unclear, benefit of the downturn, are the main difficulties for cooperatives to integrate into the capital; These two reasons make farmers’ cooperatives financial problems.This article according to some successful cases of farmers’cooperatives at home and abroad, contrast China farmer professional cooperative situation, summarizes the reference of finance experience. China farmer professional cooperative is indispensable to resolve the financial problem without the government’s help and financial support. The initial capital is the basis of cooperative operations, and also financing basis; Government support is essential for the development of farmer professional cooperative, with government support, the foundation and strength of farmers’cooperatives will secure; Financial systems is a direct way of peasant professional cooperative financing, financing also need financial support, farmers’cooperatives must rely on the financial system to solve its financing problems, this is the most direct and effective way. This financial support is included with the two kinds of meaning, first, the external support of financial institutions, formal financial institutions and non-government financial organizations; Another is a cooperative set up mutual support funds, which way is the best way to effectively address the financing predicament of farmer specialized cooperative.Based on the above experience, both external and internal aspects of this article made a number of solutions can be realized, including specific support measures, specific measures of the financial system, the cooperative’s own perfection.This general framework is this:from farmer’s specialized cooperative financing and financing restrictions set out the basic characteristics and analysis of peasant professional cooperative financing difficulties, on the basis of domestic and foreign experience for reference, made several suggestions of peasant professional cooperative financing difficulties, and hope for the solution of peasant professional cooperative financing problems can be successful, then I can offer a little contribution to rural development.