Cangzhou Xian County Agricultural Cooperatives Financing Problem Research

The rise and development of Hebe Xian County agricultural cooperatives has solved the contradiction between decentralized operation and modern agriculture intensification which bring about by the household contract responsibility system. It reduces the risk of market competition brings to the farmers, become an important new main force to promote the development of agriculture. It has played an important role for agricultural development and increase farmers’ income. But, in the process of its development, financing difficulty always exists. Especially in recent years, with the expansion of its business and rising production costs, the need of funds is increasing, financing difficult problem is more and more become the biggest bottleneck restrict its development. Therefore, to strengthen the research of the county agricultural cooperatives financing problems, put forward the countermeasures to solve the problem of its financing difficulties. To help break the Xian County agricultural cooperatives development bottleneck, promoting its healthy development, is of great significance to the development of the modern agriculture. Other area can use for reference the experience of Xian County to solve the problem of agricultural cooperatives financing difficulties. Is advantageous to the cooperative system and theory development and innovation of our country. This article based on the field survey and access based on a large number of data, use of normative analysis and empirical analysis with the combination of research methods, systematic research to Xian County farmers’ professional cooperative financing problem. First, sums up and summarizes the domestic and foreign research results on agricultural cooperatives financing problems, define the relevant concepts, and elaborates the theory of cooperative finance theory and property rights theory, try to establish the theoretical background of this article. Second, to reveal the characteristics of the development of agricultural cooperatives in Xian County, expounds the basic situation of agricultural cooperatives financing. Xian County agricultural cooperatives demand for capital especially the seasonal demand, and the gap is big. In different ways of financing, loans from financial institutions is the main way, but it was limited, the financing channel is narrow. Third, pointed out the financing problems which Xian County agricultural cooperatives faced. The main problem is the endogenous financial cooperatives less, financial institutions to support is not enough, the lack of appropriate credit products, the financing of private lending less and high risk. Fourth, from the social system of agricultural cooperatives the financial environment and the government from three aspects, in-depth analysis of causes Xian County agricultural cooperatives financing difficult problem. Fifth, in view of these reasons, puts forward Suggestions for the optimization of Xian County agricultural cooperatives financing. Including the reform of system of agricultural cooperatives, perfecting agricultural cooperatives distribution system, perfect the management mechanism, improve the level of management, establish an effective financial risk transfer mechanism, Improve the rural financial environment, deepen reform of rural credit cooperatives and the innovation credit product. This article for the first time in Cangzhou Xian County as the research object, To reveal the characteristics of the development of Xian County agricultural cooperatives, to clarify the basic situation of peasant professional cooperative financing. Discusses the existing problems of Xian County agricultural cooperatives financing, and found the reason. Put forward a more suitable for the actual situation of Xian County, targeted countermeasures.