Research On The Financing Demands Of Farmer Cooperatives In Gansu Province

Farmer cooperatives as a new agricultural business entities,has become a market economic system is an important form of agricultural production and operation in reducing the risk of market participation of farmers.Farmers' cooperatives,produced positive and far-reaching influence to improve farmers' market competitive position.In recent years,farmer cooperatives in Gansu province growth significantly in number.But with the increasing of cooperatives the number of potential problems in its developing process gradually.The scale of farmer cooperatives in Gansu Province,mainly to small and medium-sized,internal operation of funds and lack of funds to expand cooperatives in external financing difficulties,seriously restrict the sustainable development of cooperatives,slowing the ability of farmers to get rich,the effect to improve the overall agricultural development level.When financing the channel between the farmer cooperatives and the agricultural financial market is not smooth,the development of farmer cooperatives will lack of internal driving force,Unable to form a joint effect with external development,it is difficult to maintain the healthy development of farmer cooperatives.In this paper,the 265 farmer cooperatives in Gansu Province 14 cities,from the geographical distribution range,involving industry,service content,drive farmer number,standardization construction and brand cultivation in Gansu province were analyzed.The survey found that Gansu province farmer cooperatives of long-term investment funds,the daily operating funds and seasonal working capital has a strong appeal,while capital investment is limited,self accumulation function weak,lack of credit cooperatives,financial institutions loan demand is higher,private lending risk,the lack of government support and a series of internal financing and external financing problems cooperative funding is limited,leading to the presence of a large funding gap of cooperatives.Through field survey and combining with the investigation questionnaire,empirical part of the article firstly analyzes the factors of Gansu province farmer cooperatives financing gap,and then using the factor analysis method to find out the main influence factor from a number of factors,using the OLS model,Logit model,Probit model to estimate the influence degree of the fixed capital gap of these factors on the farmers' professional cooperatives and the daily funding gap.The results show that the basic conditions,growth potential,credit conditions have different influence factors in other financing of farmer cooperatives fixed funding gap and daily funding gap.Among them,the common factors affecting fixed capital and the daily funding gap are: loan of existing assets,land transfer,the initial member of the brand,increase its outreach mechanism.The name,private lending amount,whether financial loans,whether or not timelyrepayment,the loan period,the loan amount,if there is surplus,to Other economic organizations financing.From a significant point of view,the impact of these factors on the daily cooperative funding gap is more significant.The influence factors of farmer cooperatives daily funding gap in addition to the above factors,as well as depending on the entity,the proportion of money invested.According to the research conclusion,this paper proposes the following policy recommendations: first,standardize the cooperative development,improve their ability to accumulate;second,innovation in financial services,to stimulate the vitality of the body to the financial;third,promote mutual funds,alleviate the financing pressure.