Financing Plan For Cotton Farmers Of Yuncheng In The New Model Of Farmers Organization

:The farmers financing is a problem which is much and urge to be solved.Both rural financial development and urbanization construction, farmers’financing is a problem must be solved. In the cause of farmers financing difficulties, lack of collateral, lack of security, and so many other problems can be addressed by organizational methods. So we had better let farmers gather to be a certain scale of organization rather than solving farmers financing problems only from the financing level. On the basis of the implementation organization, we can make the design of suitable financing options easier.This article is based on the theory of industrial organization, transaction cost theory incomplete contract theory and a lot of rural organization innovation research.And I have also referred to the new organization pattern that have been taken in Sichuan, Shandong and Guangdong province.In this article,I take the farmers in Yuncheng,which is abound of cotton for example,to get the current situation of cotton farmers organization and financing.Combined with the actual situation,I give the advice for new organization model like "enterprise+cooperative+peasant","base station+peasant","intermediary organization+peasant", and so on.On the basis of cotton farmers organization,cotton farms can finance by contracts mortgage,the guarantee made by enterprise,and many other options.In that case,we can solve the Yuncheng cotton farmer’s financing problem by the two steps.