| In this paper, based on the cooperative finance theory and risk theory, choose the form born in farmers’professional co-operatives and mutual funds as the research object from various forms of farmers mutual funds, describing the risks that the most of the domestic specialized farmer cooperatives capital mutual aid organizations are facing at present, and proposing the corresponding countermeasures and the suggestions, in order to promote farmers’professional co-operatives capital mutual aid organizations to prevent and cope with risks more effectively and thus develop mor sustainably. Then introducing the XP professional cooperatives mutual funds as a case, describing the present situation, and according to the existing risk put forward reasonable suggestions that could promote the development of its, in order to make XP professional cooperatives capital mutual become the model in the province, and promoting the financial development of Fujian province rural cooperative.Firstly, the background and significance of research are introduced, and put forward the research content and the method, the technology roadmap and the possible innovation as well as insufficiency. It summarized the status situation of research at home and abroad, mainly from the aspects of existence under the significance as well as advantages of rural mutual funds, type of organization, rural mutual funds mutual risk as well as the precautionary measures and farmers’professional cooperative funds on rural mutual funds.Secondly, on the theoretical basis of cooperative finance theory and risk theory, introduces the definition, characteristics, principles of organization of cooperative finance, risk meaning, forms, the rural financial risk theory and so on.Then, out of the rural mutual concept, and makes a classification of the rural mutual funds, research object of this article is born within the farmers’professional cooperative mutual funds and discuss its advantages. Third, according to the Basel agreement on risk classification standards, the risks and causes of farmers’professional cooperative mutual funds are analyzed, it find that the farmer specialized cooperative organization exist mutual funds risk capital risk, credit risk, operational risk, market risk and policy risk.Fourth, put forward the solution to deal with the risk of farmer specialized cooperatives. Through the cooperative mutual funds and broaden the channels of funding to address financial risks; In response to the credit risk of rural credit system construction of good; To strengthen the internal control and risk management to deal with the operation risk; To perfect the operation mechanism of agricultural products market in order to deal with market risk; Cooperation financial legislation, improve the regulatory system in order to deal with the risk of policy.Finally, taking XP professional cooperatives mutual case as an example, introduces its background, current mutual fund operation mode, and in accordance with the above the angle of various risk analysis on the risk of operation, to find the XP professional cooperatives mutual funds generally have showed a benign development, already established as a part of risk control mechanism, such as financing channels more can resist capital risk, credit system is relatively perfect can prevent credit risk, but there are still some problems in the risk prevention, such as The weakness of internal management, the lack of a clear identity authentication and other issues, in order to strengthen the XP professional cooperatives mutual fund risk prevention and control ability, this paper put forward countermeasures and suggestions, such as increasing government financial support, for instance:establishing punishment and risk reserve system, the introduction of other agricultural products decentralized market risk and credit risk, strengthen internal management and perfect the supervision system, to give legal status etc.This paper mainly uses four kinds of research methods, such as:the literature research method, normative study method, questionnaire survey method, case study method. There are two innovations in this paper, firstly, confirmed the rural mutual organization is a form of Cooperative Finance on real significance. Secondly, choose professional farmers cooperatives mutual fund risk as the research object to make the article a new point of view. |
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