Research On The Construction Of Credit Platform To Solve The Financing Difficulties Of Farmers' Professional Cooperatives And Countermeasures

Farmers' professional cooperatives is another innovation after the household contract responsibility system with remuneration linked to output, which is the key to deepen the reform of rural economic system, and protect the farmers' income,having the important economic benefits for maintaining the agricultural development. Financing activities of farmers' professional cooperatives plays a very important role in the healthy and rapid development of farmer cooperatives, but at present professional farmers'cooperatives are facing financing difficulties, funding gap, to become the bottleneck of the development and expansion of the farmers' professional cooperatives. Although the country has promulgated the relevant laws and policies, but also actively increase efforts to support, but the financing problem is still hindering the development of professional cooperatives. Therefore, it has very important significance for the development of farmer specialized cooperative, improvement of living standards of farmers, and rural economic development, to deeply analyze the current financing situation and problems of farmer specialized cooperatives, find out the reasons for the difficulties in financing, and explore the measure to solve the problem of farmers' professional cooperatives financing problem.This paper takes the farmers professional cooperatives in Nanjing City as an example, using related theories as analysis tool to analyze the influence of credit on financing activities of Farmers' professional cooperatives, based on domestic and foreign literatures. Combined with the field survey of the white horse town of Lishui District in Nanjing city, and an analysis of the specific cases of the professional cooperatives of the bright blackberry, we can find that the main reason for the credit financing difficulty is the lack of credit and information asymmetry, Specifically, Farmers' professional cooperatives themselves lack of credit, Information asymmetry between financial institutions and farmers' professional cooperatives and the non-perfect of Rural credit system. Therefore, this paper attempts to construct the rural credit platform to solve the problem of farmers' professional cooperatives financing in Nanjing city.In view of the facts, the construction of rural credit platform is of great significance to financial credit, not only beneficial to strengthen the construction of rural financial system, but also helping to solve the problem of asymmetric information between the farmers' specialized cooperatives and their financial institutions. Therefore, based on rural credit platform Credit financing model, by means of a pure credit, can help the specialized farmers cooperatives solve financing difficulties without collateral to obtain loans, becoming the feasible financing channel for farmers' professional cooperatives.Finally, this paper puts forward some countermeasures, that is, the establishment of rural credit platform, strengthen their own credit construction and further improve the rural credit financial system.