Research On The Financial Service Innovation And System Construction Of Support Of Farmers’ Cooperatives

With the continuous development of rural economy, insufficient supply of rural financial services gradually appeared, at present, the status of in the rural economy increasing. National policy encourages the development of farmer cooperatives, requiring propelling the reform of financial system to support the development of modern agriculture. However, the insufficient of rural financial service and rapid development of farmers’ cooperatives formed strong contradiction between supply and demand. Rural financial services in China cannot meet the diversified financial needs of the farmers’ cooperative. The construction of financial service system for farmers’ cooperatives can promote the innovation of financial products and services, improve the level of financial services, to further promote the development of farmers’ cooperatives and the rural economy.This article from the viewpoint of the farmers’ cooperative financial service demand, taking the rural financial market theory and financial innovation as the basis, using the literature analysis method, field investigation method, in combination with quantitative analysis and qualitative analysis method, analyzes The development status of rural financial services and supply problems in our country, on this basis, actively explore the innovation of financial products and services for farmers cooperatives and the architecture of financial service system.The full paper is composed of six chapters:The first part is introduction. This part is introduces this paper’s research background, significance, research status and innovation.The second part is the analysis of rural financial development status and supply problems. At present, the main problems that rural financial development facing in our country are the unsoundness of rural financial service system with the derivative insufficient financial supply, which directly restricting the development of rural and agricultural in our country. Among them, the main problem of farmers’ cooperatives financial services is the lack of credit supply and products, as well as innovation.The third part is the analysis of rural financial development status and supply problems. At present, the main problems that rural financial development facing in our country are the unsoundness of rural financial service system with the derivative insufficient financial supply, which directly restricting the development of rural and agricultural in our country. Among them, the main problem of farmers’cooperatives financial services is the lack of credit supply and product, as well as innovation.The fourth part is the innovation of farmers’ cooperatives financial product and service. The paper raised the innovation principles of farmers’ cooperatives financial product and service. Also, designed clearing, credit, insurance, financial management, financial information five kinds of financial products and services.The fifth part is the construction of farmers’ cooperatives financial service system. This part firstly expounds the overall framework of financial service system. Secondly it constructs farmers’ cooperatives financial service system constituted by three levels, that is entity service system, information service system, support-guarantee system. And expounds the function configuration and build ideas of each system.The sixth part is the full text summary and prospect. The paper hopes to mobilize the government departments, research specialist, financial institutions, and farmers’ cooperatives joint efforts to improve farmers’ cooperatives financial service system sequentially.