An Empirical Study On The Demand Willness Of Vegetable Cooperatives Credit In Ji'nan City

Farmers' professional cooperatives in China are an important form of organization for agricultural production and operation.Since the promulgation and implementation of the Law of the People's Republic of China on Farmers' Professional Cooperatives in 2007,they have developed rapidly.There are many kinds of vegetables,cultivation facilities and cultivation modes in Jinan's vegetable industry,and the combination of remote suburbs and near suburbs,and the integration of various industries.Compared with other cooperatives,Vegetable specialized cooperatives have their own unique characteristics,but lack of funds and financing difficulties are important problems faced by cooperatives.Credit demand of cooperatives is an important basis for the success of credit business.Credit Demand Willingness of cooperatives is a prerequisite for credit business,so it is very necessary to carry out vegetable business.Professional cooperation in credit demand willingness to carry out relevant research can not only provide reference for the government to formulate policies and financial institutions to design products,but also activate the rural financial market,play the role of credit funds to help farmers,make farmers rich,and promote the better and faster development of vegetable industry has important theoretical significance.Meaning and practical significance.In this paper,literature analysis,on-the-spot investigation and binary regression analysis are used,and rational and planned behavior theory,rural finance theory and resource allocation theory are used for reference.Taking Jinan as an example,Vegetable specialized cooperatives,which account for a large proportion of farmers' cooperatives,are selected as the research objects,and vegetable specialty is taken as the research object.Credit Demand Willingness of vegetable professional cooperatives is the research content.The current situation,characteristics and existing problems of Credit Demand Willingness of vegetable professional cooperatives are studied.The influencing factors of credit demand willingness are analyzed.The realization path of credit demand willingness is summarized.The countermeasures and suggestions to improve the credit willingness of vegetable professional cooperatives are put forward.Through investigating the credit demand willingness of 32 Vegetable specialized cooperatives in 8 counties and districts of Jinan City,this paper summarizes five modes of Vegetable specialized cooperatives in Jinan City: guarantee loan of third party company,financial support financing credit,credit loan,inclusive financial product loan and special discount loan.This paper describes and analyses the basic characteristics of the person in charge of the cooperative,the operation of the cooperative,the cognition of credit policy,the next step plan of the cooperative and the credit willingness of the cooperative.It points out that the Vegetable specialized cooperative in Jinan has strong willingness to get credit support.There are five characteristics: the willingness to extend the credit period,the willingness to identify with and improve the credit limit,the willingness to produce with a tendency to use credit,and the willingness to take various measures to improve credit.At the same time,there are unfair willingness to hitchhike policy,unreasonable willingness to ignore the requirements of credit constraints,and Vague Demand for active credit.There are five problems: unclear willingness,ignorance of open willingness to lengthways cooperative credit and lack of willingness to guard against credit risk.By using binary regression model,the factors of willingness to credit demand are quantitatively analyzed,and it is concluded that expansion plan and credit experience have a positive correlation with willingness to credit demand of cooperatives.In order to promote the realization of Credit Demand Willingness of Vegetable specialized cooperatives in Jinan,the paper analyzed the validity,compliance,goal,limitation and conformity of demand willingness,and discussed the realization path of Credit Demand Willingness of cooperatives.Focusing on how to improve the willingness of credit demand of Vegetable specialized cooperatives in Jinan,we should intensify publicity services,correctly grasp the policy of benefiting the people,attach importance to credit restriction requirements,improve the quality of credit service,do a good job in activating agricultural land,smoothly guide the demand for credit,innovate products of financial institutions,activate comprehensive cooperative credit,and perfect the whole system.The countermeasures and suggestions are put forward in five aspects,namely,regulation mechanism and credit risk prevention.