The Rural Credit Cooperatives Of Shandong Province Supported The Research On The Credit Support Of Farmer Professional Cooperatives

Farmer professional cooperatives(hereinafter referred to as cooperatives)is a new type of market under the market economy system,it is based on the rural family contract management,the same type of agricultural products production operators or similar agricultural production and management services providers,users,voluntary Joint,democratic management of the mutual economic organization.Rural credit cooperatives are approved by the China Banking Regulatory Commission,composed of members of the shares,focus on the "three rural",small micro enterprises,community residents,county economic development to provide deposits,loans,exchange,finance,settlement and other integrated financial services Financial Institutions.With the 2003 State Council issued the "Notice on Deepening the Reform of Rural Credit Cooperatives"(Guo Fa [2003] No.15),decided to deepen the reform of rural credit cooperatives,the provincial level to set up the provincial association,the county set up credit association(Hereinafter referred to as "county association"),the provincial association and the county association are all independent legal persons,but the provincial association under the authority of the provincial government to exercise the county association management,guidance,coordination and service functions.After more than ten years of reform and development,the majority of the county association has been transformed into a rural business,from the membership system to shareholding system,and other state-owned banks,joint-stock banks in corporate governance,business scope,business type,risk control and other aspects of the same.Cooperative as a modern agricultural management of the main form of one of its development and growth can not be separated from financial support.Many scholars have studied the development process and development situation of cooperative cooperatives in different regions.It is found that the common factor restricting the development and development of cooperatives is the financial problem.The source of the cooperative funds is mainly dependent on bank loans.Rural credit cooperatives as a local financial institutions,outlets throughout the urban and rural areas,cooperatives to obtain funding to support the main provider.Of course,in the process of supporting credit cooperatives in farmer's professional cooperatives,rural credit cooperatives have many problems to be solved urgently in the aspects of network layout,credit process setting,product service innovation,credit team construction,science and technology support,and urgent need to refer to other countries and regions.,To strengthen and improve,this paper will take the rural credit cooperatives in Shandong Province as an example to study the rural credit cooperatives in Shandong Province to support the development of credit cooperatives.This paper is divided into seven chapters,as follows:Chapter One Introduction.Firstly,it elaborates the research background and the purpose and significance of the research.Then it summarizes the domestic and foreign scholars' research on the credit financing of cooperatives and reviews them.At last,the research methods,research ideas and innovation points and shortcomings of this paper are described.Chapter II related theoretical basis.This part first defines the related concepts of cooperatives and members,rural financial system and rural financial support,and then references some foreign scholars' theories into the research of cooperatives,such as rural financial development and financial market information asymmetry theory And so on,some of the theories used in this article to discuss a little.In the third chapter,this part introduces the rural credit cooperatives in Shandong province first,and then analyzes the rural credit cooperatives' support cooperatives from three perspectives: support mode,guarantee mode and credit product type.The fourth chapter,from the perspective of rural credit cooperatives,analyzes the problems of cooperative credit support,and analyzes the causes of the problems through in-depth analysis.In the past five years,this paper analyzes the rural credit cooperatives in recent years to support the trend of cooperative funds,obtained in recent years,rural credit cooperatives to support the financing of several characteristics.For the purpose of risk prevention and control,through the establishment of the game model,to determine the premise,the rural credit cooperatives choose to "agree" or "refuse" to give cooperative loans,and further study of loan decisions.In the sixth chapter,this part mainly analyzes the experience of foreign financial support cooperatives,and draws some enlightenment from rural credit cooperatives to support cooperatives.Chapter 7,which focuses on the rural credit cooperatives to support cooperatives countermeasures and suggestions.First,from the strengthening of market positioning to start,that is,regulate the network management behavior,improve the performance appraisal mechanism,the establishment of due diligence system;Secondly,from the promotion of product and service innovation and improve the comprehensive service point of view,put forward the views and suggestions;Finally from the external environment,,Rural credit system construction in two aspects,discuss the development of cooperative cooperatives to support the recommendations.