Study Loan Demand Of Farmers For Rural Mutual Cooperatives

After decades of development and reform, our country formed dominated by policy Banks, commercial Banks, and the coordinated development of various kinds of new type of rural financial institutions in the rural financial system. The unique cooperative finance trust cooperation mechanism and its successful practice abroad has been widely consistent approval.The rural fund mutual cooperatives appear to effectively solve the farmers’difficulty in getting loans. The promulgation of "Farmer Cooperatives Act" and the implementation also to regulate the development of rural fund cooperatives provide legal support. Farmers’ borrowing demand will affect the size and structure of the rural financial market, will also influence the farmers’ Production, life cash expenditures, and then affects the peasant household production investment scale and the scale of farmers’ demand for commodities. At present, the China banking regulatory commission approved only50rural mutual cooperative, unable to meet the increasingly financial demand. The development of rural fund mutual cooperatives, as well as promoting land financial to let the farmers to enjoy the convenient, safe and effective, affordable financial services need to cooperate with all levels of Party committees, governments, financial institutions and rural residents.Based on the investigation and analysis of the current situation of the development of rural capital support, the integrated use of cooperative finance theory and institutional change theory, farmland finance theory, using the field survey method, comparative analysis, regression analysis and other methods, had found that the impact on financial demand of rural fund mutual cooperatives related to a variety of factors, to explore the development of farmland mortgage products, the main measures to improve the rural fund mutual cooperatives. The main research contents include the following:(1) Paper first discusses the present development situation and the existence question of rural fund mutual cooperatives. On this basis, put forward several measures to improve the rural fund mutual cooperatives;(2) An empirical analysis on the rural fund mutual cooperatives of farmers borrowing demand in Sichuan and Chongqing;(3) Developing the agricultural land mortgage product of rural fund mutual cooperatives. The main conclusions of this paper include the following:(1)Discuss the historical origin, present development situation and the existence question of rural fund mutual cooperatives. On this basis, put forward several measures to improve the rural fund mutual cooperatives:To expand the sources of funds, increasing financial support; to improve human resources, to strengthen the regulatory supervision; to establish mechanisms of cooperation with other financial institutions in the banking industry for industry support;(2)Empirical research shows that the education fixed number of year, family labor force, housing values, household disposable income farmers engaged in the breeding and the external environmental factors have significant influence on whether farmers loan from rural fund mutual cooperatives.(3)On the basis of analyzing the connotation of agricultural land mortgage products, discussing the feasibility of product from the angle of the legal, policy, rural fund mutual cooperatives and farmers’ need, and agricultural land mortgage product operation mechanism is established.