Research On The Mutual Development Of Farmers' Cooperatives In RuiAn City

Mutual funds of farmers' cooperatives play an important role in alleviating the contradiction between rural financial supply and promoting the construction of rural agriculture and increasing farmers' income. The rural capital outflow problem has led to the increasingly sharp contradiction in rural areas, which has greatly restricted the construction of rural areas and the increase of farmers' income. In most rural areas, it is difficult to enjoy the service of financial service system, the shortage of funds and the single financial service products have become the bottleneck restricting the development of rural economy. It is in this context, the farmer cooperative fund mutual organization also appears to be very necessary. The State Council and local governments at all levels have begun to recognize the importance of the rural financial system, and put forward specific measures for the reform and development of rural areas. Government has adopted the decision of the Central Committee of CPC on rural reform and development of a number of major issues and a plurality of a number of documents, in the decision on rural reform and development of a number of major issues in the Central Committee of the Communist Party of China clearly pointed out that the core of the modern rural economy is the rural financial service system and allow farmers professional cooperatives in the rural financial system, a document is clear and give professional farmers cooperatives to carry out the specific methods and measures to financial services, report on the two sessions is proposed to the steady development of new rural financial institutions, these are the national government from the policy on the development of the rural financial system support. In2009, the Ministry of agriculture and the China Banking Regulatory Commission jointly issued the opinions on doing the work of financial services for farmers' professional cooperatives, the advice is also clear to encourage agricultural cooperatives to carry out financial services. As can be seen in the state promulgated a series of policies of farmer cooperatives is to promote the agricultural economy development the main driving force,also has to participate in rural financial services policy advantage, to rural provide fast financial services, effectively avoid the farmers and other gold financial weaknesses of the information asymmetry in the process of the body of the game, to enhance the farmers' credit.This article through cooperation of Ruian city farmer cooperatives development funds research and interviews, analysis of operation and management in Ruian city farmercooperatives mutual funds, and with the help of relevant literatures about farmers' cooperatives mutual funds management at home and abroad, summed up the Ruian city farmers' cooperatives mutual funds operation status, organization form, form, capital operation management measures, risk prediction and prevention and supervision mechanisms, according to the survey data and points out the inevitability of farmer mutual funds cooperatives, and according to the existing Ruian city farmer cooperatives mutual funds in the process of implementation of the problem, put forward to improve the government management mechanism, flexible financing cooperatives and the use of funds,and constantly improve the management system, perfecting cooperatives the relevant financial legal system, government policies to support farmers' cooperatives mutual funds Help develop such solutions to provide reference and advice for the sustainable development of the rural economy.