A Study On The Operation Of Secured Loan Mode For Farmer Cooperatives In Heilongjiang Province

At present,improving the degree of farmers' organization and promoting the development of agricultural scale is an important way to solve issues of agriculture,farmer and rural area.Since 2012,the Central Document No.1 has made it clear that farmer cooperatives should be vigorously developed six years in a row.This is not only a realistic choice to increase farmers' income,but also an inherent requirement of developing modern market agriculture.As a big agricultural province in China,Heilongjiang province has shown a rapid rate in the development of farmer cooperatives.However,there is a serious shortage of funds,which has become one of the main bottlenecks hindering its development.At present,the cooperatives not only face the demand dilemma of "difficult to get a loans",but also the financial institutions are facing the supply dilemma of "difficult to loans".As a medium connecting the cooperatives and financial institutions,guarantee agencies are important vehicles for transferring loan information,spreading loan risk and building loan relationship,which is of great significance for easing the contradiction between supply and demand.In 2016,the Central Document No.1 explicitly proposed to "establish and improve the national agricultural credit guarantee system in3 years or so",so the study of on the operation the secured loan mode of farmer cooperatives in Heilongjiang province is conducive to response to the central spirit,the establishment of provincial agricultural credit guarantee system and alleviated the financing dilemma of the cooperatives.This paper mainly studies the operation of secured loan mode for farmer cooperatives in Heilongjiang province.First of all,on the basis of the theoretical framework and research achievements of the scholars on guarantee loan research at home and abroad,paper define the concept of operation of secured loans mode for farmer cooperatives in Heilongjiang province,and expounds the cooperative theory,credit rationing theory,financing guarantee theory under information asymmetry,risk transfer theory,which lays the theoretical foundation for the whole study;Secondly,this paper analyzes the general situation of the development of farmer cooperatives in Heilongjiang province,the supply and demand of funds for cooperatives secured loan mode,and compared the annual growth rate of agricultural loans and farmer cooperatives,finding that secured loan financing is a new direction for the development of cooperatives financing;Again,this paper starts with the operation process of secured loan financing model of farmer cooperatives and sets a dynamic game model of the participation subject of secured loan financing mode for farmer cooperatives.The results show that the influence factor about operation of farmer cooperatives secured loans mode is mainly related to the three aspects of farmer cooperative itself,the cooperation of between farmer cooperatives and guarantee institutions,and thecooperation of between guarantee institutions and banks.On this basis,discussing the existing problems and causes of the operation of farmer cooperatives secured loans mode in Heilongjiang province,includes farmer cooperative itself,the cooperation of between farmer cooperatives and guarantee institutions,and the cooperation of between guarantee institutions and banks.Finally,in view of the present situation,the game results,the existing problems and causes,the countermeasures are put forward to ensure the operation of secured loan financing mode of farmer cooperatives.