Yancheng Area Farmer Fund Mutual Cooperative Current Situation And Development Research

The finance is a modern economy activity is essential, the economic system of the central. Yancheng in the construction of a new socialist countryside is in ground of like a raging fire, to the smooth development of rural economy in Yancheng area, can not be separated from the regional financial organizations to support.Thirty years of reform and opening up, Yancheng rural economic development still is the farmer main body, a simple farmer in rural economic development, practice into the positive exploration. They continue to use the financial organization and financial tools to develop their own products. But the area of Yancheng is the old revolutionary base areas, financial system, system and the District of Yancheng rural economy development demand is lag, rural cooperative credit rarely expands a service for rural economics, farmer as vulnerable groups is difficult to formal financial institution and the financial policy support, most farmers were excluded from the financial policy and financial services. This led to the Yancheng rural financial loss, agricultural economic development rate is slow, farmer to develop economy lacks energy, farmer income still is in low-level wander.In this context, the majority of farmers in Yancheng in order to solve the problem of shortage of capital of their own development, the establishment of the fund cooperatives was born in2005, and the past few years in various parts of Yancheng flourish. In these organizations, members of cooperatives financing cooperation between each other, to coordinate the production and operation of individual capital shortage, members of cooperatives to form a mutual cooperation in the interests of the community. This innovation to quickly get the Yancheng local government and the central government’s attention. In2006the State Council a file was made clear" guide a farmer to develop capital mutual organization" the spirit of the document, it is a promotion of farmer development agriculture production confidence files, is to solve the contradiction of rural finance and production decision. And like other parts of the country the farmer of Yancheng province area in the" guide a farmer to develop capital mutual organization" policy how-to below, all over Yancheng have founded the rural mutual fund cooperatives.According to the Yancheng area farmer mutual OECD survey, read" Yancheng City farmer mutual funds" demonstrative constitution of cooperation and Yancheng area farmers mutual cooperative operation, practice the actual situation, to the farmer mutual cooperative nature, characteristics, service, system, management, information, and illustrates the current situation and analysis, summary Yancheng area farmer Mutual cooperatives operating status, policy framework, capital operation, management strategy, risk prevention, guarantee mechanism, control measures. Using survey data to analyze the role of mutual cooperation; and for cooperative in the problems existing in the practice, put forward " for rural mutual fund business name positioning, further regulate the operation, suggest that the superior governments and departments for cooperatives provide support, the healthy development of rural cooperative economic management departments to strengthen the rural mutual fund cooperatives staff training, farmers mutual cooperation to maintain its sustainable development key should actively explore a way of risk control measures.