A Study On The Factors Influencing The Availability Of Loans To Farmers' Specialized Cooperatives

In January 2017,the central no.1 files is put forward from the optimization of industrial structure,promote green production mode,expand new industry new forms,strengthening the scientific and technological innovation drive,supplement the agriculture and rural areas is short board and intensify the rural reform in six aspects,such as advancing agriculture structural reform,cultivating the new countryside development momentum.The farmers' professional co-operatives is the main force of new type of agricultural management main body,not only can drive the rural financial innovation,the stability of the rural economy increasing,also can adjust agricultural structure,speed up the advancement of the modernization of agriculture.In order to solving the practical problems of rural poverty,or in order to improve the level of modernization of rural industry development,development of farmers'professional co-operatives are an indispensable link.In this paper,through on-the-spot investigation and discussion,investigation about the present situation of fujian farmers' professional co-operatives money lending and its demand for loans is an all-round,multi-angle,and put forward the feasible policy Suggestions according to the empirical results,the fujian farmers' professional co-operatives to further improve loan difficult problem provides the beneficial reference and has important theoretical and practical significance.The next government and financial institutions to support the development of the region's farmers'professional co-operatives have strong reference value,for the relevant agricultural cooperative finance support policy making in fujian province also has the strong inspirationResearch of this paper is divided into six chapters:the first chapter is introduction,mainly illustrates the research background,research significance of this paper,and then put forward in this paper,the main research contents,research methods and research roadmap,at home and abroad and analyses the relevant factors affecting farmers' professional cooperatives loan availability,at the same time points out the possible innovations of this study and deficiencies;The second chapter for related concepts and theoretical basis.Mainly expounds the farmers' professional cooperatives and the basic concept of farmers' professional co-operatives loans and farmers' professional co-operatives loans availability of relevant theory;The third chapter mainly analyzes the current situation of the development of farmers' professional cooperatives in fujian province;The fourth chapter of fujian farmers' professional co-operatives loans and intend to investigate and analyze;Using the survey data,the fifth chapter of fujian farmers' professional cooperatives loan availability empirical analysis on the factors which influence;The sixth chapter for the main conclusions of this paper and relevant policy recommendations.Taking fujian province as an example,on the basis of defining the related concepts and literature review,analysis of the fujian farmers'professional co-operatives development present situation,existing problems and the demand for loans.Based on fujian province 199 questionnaire and informal discussion of farmers' professional co-operatives,empirical analysis on the possibility of fujian province farmer cooperatives loan availability factors have a significant impact.Study found:currently,the vast majority of farmers' professional cooperatives in fujian province are the loan demand of different scale,but get bank loans than a much smaller of cooperatives.At the same time,the analysis results show that farmers' professional cooperatives in fujian province of fixed assets scale,development level,of contacts with Banks and honor President society and the education level of farmers'professional cooperatives in fujian province loans has a positive significant impact on availability.