| Agriculture, country, farmer problem is current party and government work center of gravity, and the farmers’ professional cooperative is the current our country new mainly to farmers market main body, its basic starting point and foothold of all is to safeguard the interests of farmers, increase the income of farmers. Since the"the people’s Republic of China Law on Farmers’ professional cooperatives"promulgate carry out five years ago, the farmer specialized cooperatives in China showing a good momentum of vigorous development, according to the"2011 China Economic Cooperation Development Report "shows:"at the end of 2011, the national register by the industrial and commercial registration of farmers’ professional cooperatives reached 52.17 million, is in service farmer 41000000,16.4% what hold countrywide farmer sum total. Farmer professional cooperatives to help farmers increase income significantly, farmer income than members of the club with the farmer income higher than 20%". In recent years the development of cooperatives have proved that it is to solve "3 farming" the problem of a major role.However, from look on the whole, our country farmer professional cooperatives in developing showed weak profitability, operating a small scale, large investment, long cycle of early return, high risk of operation, information asymmetry, lack of collateral loan and other features, enables the agriculture-related financial institutions with little or no willing to professional fanners cooperatives to provide financial services, including members of the loan is difficult, difficult security problem. The farmer specialized cooperatives in China a large number, financing gap is bigger, just rely on government financial input and the members raised to satisfy its capital requirement from the point of long-term development, cooperatives, rural financial credit support has become inevitable choice. However, despite years of China’s rural financial credit to rural economic development has played an important role, the current rural financial support the development of farmers’ professional cooperatives still credit rationing and credit constraints, restricting the further development of farmers’ professional cooperatives. Therefore, how to build government of rural cooperative finance, farmer professional cooperatives of multilateral cooperation mechanisms, to the members to provide high quality financial services, to support the development of farmers’ professional cooperatives, is current and academic group focus on one of the issues.In this study, the theory of credit rationing credit, credit product innovation as the main analytical tool, at home and abroad are analyzed on the basis of the literature review, we selected representative Zhejiang province Yuyao City Weixiang Park grape professional cooperatives (China’s top 50 professional cooperatives) as the research object, take the theoretical analysis and empirical analysis of the combination, in depth analysis of the farmers’ professional cooperative credit fund supply and demand situation of farmer professional cooperatives, credit support to restrict an element, put forward fruit right mortgage loan credit support product innovation strategy, and puts forward the following suggestions:one is to improve the relevant legal construction, speed up the process of relevant legislation; two is a clear fruit ownership, accelerate rural land efficiency flow and optimized allocation of land resources; three is the perfection of credit support service system, take loans feedback policy to support the development of farmers’ professional cooperatives; four is to establish and perfect the policy agricultural insurance and commercial insurance combination of insurance compensation mechanism; five is the progressive realization of marketization of interest rate, reduce the burden of six members; is the establishment of loans to its members a risk to ensure fund, perfect farmer specialized cooperative society credit Risk compensation mechanism. |
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