Financial Supports To Farmers Specialized Cooperatives In Heilongjiang

Farmers professional cooperatives improved the organization degree of farmers and became the main bridge to guided farmers to market. Since July1,2007since the 《Farmers specialized cooperatives law)) put in to effect, farmers specialized cooperatives in Heilongjiang province has developed rapidly, and by the end of2012, the total number of farmers specialized cooperatives are29089, it increased24072compared to the number in2007, the total ranked seventh. Farmers specialized cooperatives cover administrative villages increased from4%in2007to90%in2012, drive the number of2007nearly20thousand peasant households to1.2million in2012. Although farmers professional cooperatives a in a good momentum of development, but the financial institutions for farmers professional cooperatives financial support is not quite in place, financial services lagged behind the development of farmers professional cooperatives. They restrict the development of farmers specialized cooperatives. Therefore, increasing farmers professional cooperatives financial support is necessary.The research based on the generalization of the literature at home and abroad and investigation, First of all, starting from the definition respectively introduces the farmers professional cooperatives and financial support, put forward the theoretical basis of this study, analyzes the financial supply and demand status of farmers specialized cooperatives in Heilongjiang province, summarizes the problems existing in the financial supply and demand situation, the main reason is fund supply and demand imbalance, formal financial institutions financing channel is not free, limited support informal financial institutions, rural financial institutions credit service inefficiency, lack of agricultural insurance and risk sharing mechanism. Using questionnaires, interviews and analytic hierarchy process, From farmers specialized cooperatives themselves, financial institutions, government three aspects to analyze the influencing factors of financial institutions to support the farmers specialized cooperatives in Heilongjiang province, sorting every factor, find out the important factors that affect financial support to farmers specialized cooperatives in Heilongjiang province, the mainly factors are the cooperative mortgaged property, Financial institutions opportunity cost and cooperative institutions sound level. By studying the United States, Japan, Indian and the domestic typical regional financial supports ways for farmers specialized cooperatives and get enlightenment. Finally from the farmers specialized cooperatives, financial institutions, government proposes countermeasures and laws and regulations to perfect the farmers specialized cooperatives financial supports in Heilongjiang province. Firstly, Strengthening the construction of farmers professional cooperatives standardization, including enhancing their own cooperative organization system and financial system construction; innovating farmers professional cooperatives management mechanism, strengthening the cooperative profit ability; Secondly, the financial institutions to improve financial services for farmers professional cooperatives. Enhancing service awareness of farmers professional cooperatives, avoiding credit funds a large number of outflow of rural; Intensifying the building of rural financial facilities; Innovating way of guarantee and credit loan, innovating financial products, increasing the financial service innovation. Thirdly, the government play a role of link to promote financial support for farmers professional cooperatives. Increasing financial supports, promoting the development of new type of rural financial institutions actively, Promoting agricultural insurance system and guarantee system construction actively, Creating a good policy environment for financial institutions to support farmers professional cooperatives. The fourth, Improving relevant laws and regulations, creating a good legal environment for financial institutions to support the farmers professional cooperatives. The fifth, Choose the appropriate mode of financial supports to promote the development of farmers professional cooperatives in Heilongjiang province.