Research On The Performance Of Farmers Capital Mutual Cooperatives In Heilongjiang Province

With the development of the rural economy, the rural financial system is constantly being improved. In2006, with the file "on the adjustment to relax banking financial institutions in rural areas better access policy to support a number of opinions socialist new countryside construction" introduced, rural mutual cooperatives,a new rural cooperative economic organizations was gradually established in the rural areas. In2007"Provisional Regulations on Management of rural credit union funds","rural fund cooperatives established guidelines for approval," the introduction of "rural mutual model statute" and rural fund cooperatives make further policy guidance. From a practical point of view, these policies under the guidance of rural mutual cooperatives established in Heilongjiang Province has achieved some success, to ease the difficult problem loans in rural areas, but also makes the income of farmers has improved to some extent, and with the rural fund growing union also attracted more and more farmers to participate, which will benefit the rural credit union funds to further expand and develop. Focuses on the performance level of Heilongjiang Province, rural mutual cooperatives in rural mutual cooperatives herein this new rural cooperative economic organization for the study. Understand the status of rural mutual development, performance evaluation, and on the impact of rural mutual cooperatives performance reasons depth analysis, can indicate the direction of reform and development in Heilongjiang rural mutual cooperatives, as well as rural development in Heilongjiang Province, to meet the farmers’ loans funds need to provide suggestions.This paper studies the dynamic on cooperation from foreign organizations in rural finance, domestic cooperatives, rural credit union funds performance start to study the performance of a new perspective of Heilongjiang Province’s rural mutual cooperatives. On the basis of precise definition of farmer cooperatives funds definitions, characteristics and classification based on the analysis of the current situation in Heilongjiang rural mutual cooperatives and existing problems in the development process, focusing on the performance level of Heilongjiang rural mutual cooperatives, first by form questionnaire in Heilongjiang Province of China Banking Regulatory Commission approved the establishment of seven farmers union funds to conduct research to understand the mode of development, management, etc., for the research data on the factors affecting the performance of Heilongjiang farmers union funds were screened and summary elect14variables, establish performance evaluation system, and then use the methods of empirical principal component analysis, using SPSS software for data analyzed with a final assessment of the seven rural mutual cooperatives performance ranking and summary scores for the performance of mutual funds farmers in Heilongjiang Province Club level of performance, at the conclusion on the basis of the level of performance combined with research on the factors that affect the performance conditions were analyzed. Finally, based on constraints analysis summarizes the results of a targeted rural development funds to better Heilongjiang union methods or models, and policy recommendations put forward measures to promote rural mutual better development in Heilongjiang Province.