Research On The Financing Problems Of Farmers' Professional Cooperatives In Shandong Province

As a new agricultural business entities,in recent years the farmer specialized cooperatives in China has obtained rapid development,in the transformation of the mode of economic growth in rural areas,expansion of agricultural production scale and improve the competitiveness of the industry,increase the income of farmers have played an important role in supporting agriculture is an important carrier of national policy support,has entered the stage of development quality and efficiency.However,in the process of its further development,operating norms of difference,mortgage and guarantee the accumulation of funds difficult,limited and narrow channels of funding and other factors brought about the problem of financing,it is difficult to solve,it seriously restricts the development and growth,aroused great concern of all parties.The number of farmers " cooperatives in Shandong province ranks first in the whole country.Difficult financing problems also plagued the development of farmers" cooperatives in Shandong.This paper takes Shandong province for analysis of problems and causes of the current situation of the development and financing of farmer cooperatives in the study,and according to the data obtained from field research conducted roughly the empirical analysis of influencing factors in Shandong Province,and two right mortgage pilot,rural mutual credit pilot,"Internet plus rural finance" to solve the financing the problem of practice,put forward the corresponding countermeasures and suggestions.The main conclusions of this paper are:First,the financing gap and financing is still the primary problem restricting the development of farmer cooperatives at present,the main reason lies in the high cost,lack of financial supply of agricultural loan collateral,lack of effective agricultural loan guarantee fee is higher,the weakness of agriculture,private lending,local financial support funds is very limited.Asymmetric information,credit rationing and expensive transaction costs restrict the financing ability and willingness of cooperatives.When the formal financial institutions become impossible,cooperative society turn to private lending or by the president or the main large funds initiative to advance funds.Second,President of the characteristics,guarantee or mortgage,fixed assets scale,credit rating,the relationship between banks and enterprises,internal financing mechanism and the internal cohesion of members is its main influencing factors of financing.Third,the standard operation and level of cooperatives to enhance the need to guide the policy of strong support and strong supervision.For shell,counterfeit agency agency,defrauding subsidies or preferential policies,such as the illegal fund-raising cooperative influence the overall credibility of the phenomenon,should be thoroughly rectify.For brand building,sales channel development,the introduction of external capital,information technology and the construction of the model,information disclosure and credit rating and other acts,should be encouraged.Fourth,Shandong Province,the pilot of the credit cooperative business and the two right mortgage pilot is not enough to fundamentally solve their financing problems."Internet plus cooperative" mode to develop Internet banking and to contribute to the improvement of farmer cooperatives financing situation.In order to alleviate and improve farmers " cooperatives financing problems,suggestions to improve farmers" cooperative operation and management ability,improve the internal financing mechanism,improve the rural financial institutions of agricultural service ability,improve the "two mortgage" related to the implementation of policies to promote "in sales and financing the Internet + cooperative",strengthen the depth of integration the guidance of the government support and supervision.