Research On The Financing Mode Of Farmers' Professional Cooperatives In Hunan Province

Farmers' professional cooperatives are organized to solve the contradiction between small-scale production of farmers and large markets,thereby reducing farmers' participation in market competition risks and uncertainties to increase transaction efficiency.In the process of rapid development,farmers' professional cooperatives in our country are generally faced with financial shortages and financing difficulties,which seriously affect and restrict the economic utility of farmers'specialized cooperatives.In response to this problem,many domestic companies focus on the macro level.Therefore,this paper focuses on the cooperative business model and discusses the adaptability of cooperatives in the selection of financing models under different business models.This paper mainly adopts:field survey and questionnaire survey method,and conducts field surveys and cooperative surveys on Changsha,Xiangtan,Hengyang,Quzhou and other places to obtain first-hand data.The literature research method,based on the existing literature,focuses on the cooperative business model and financing model,and analyzes the reasons and advantages and disadvantages of choosing the financing model based on the perspective of the business model category.Summing up the induction method,through questionnaires,field surveys,and literature review methods,the different choices of the different modes of operation of farmers' specialized cooperatives in Hunan Province were studied,and the advantages and disadvantages of the farmers' professional cooperatives for financing mode selection under different business models were proposed.This article draws the following conclusions:In this paper,the management model of farmers' professional cooperatives is divided into four modes.Based on the characteristics of various models,the following conclusions are drawn:(1)Financing model support for farmers + cooperatives model,internal financing(ordinary farmers)>Internet Finance>Banking Financial Institutions Financing.(2)Financing model In terms of support to the Farmers +Cooperatives + Cooperatives model,the FSC financing>Banking Financial Institutions>Other channel financing.(3)Financing model In terms of the support of the farmer + cooperative + company model,counterparty borrowings>financing by banking financial institutions>other financing models.(4)Financing model For the support of farmer + cooperative(professional association)+ company model,endogenous financing(ordinary rural households)>financing of banking financial institutions>other financing modes.