Report On The "Huangshan Model" For The Prevention And Control Of Mutual Fund Risks Within Professional Cooperatives

The problems of agriculture,countryside and peasants have gradually expanded and become more and more important issues related to our national economy and people's livelihood.If we want to effectively solve the "three rural" problem,we must first solve the financing problem in rural areas.At the Third Plenary Session of the 17 th CPC Central Committee,for the first time,it was proposed to encourage the development of various micro-financial services suited to the characteristics and requirements of rural areas.In some rural areas,micro-financial institutions operating in the form of rural capital cooperation began to emerge.At the Third Plenary Session of the Eighteenth Central Committee,it was clearly pointed out that "we will accelerate the construction of a new agricultural management system" to achieve the optimal allocation and utilization of resources in a balanced manner.Rural mutual fund organizations play a strong complementary role in the process of development,providing farmers with comprehensive financing channels and platforms with their diversified financing modes,increasing the funds needed for their production and life,effectively alleviating the funds needed in the process of agricultural production and operation,effectively promoting the increase of farmers' income and improving their living standards.A large number of practical cases show that rural mutual fund organizations are the best way to effectively solve the problem of rural loans in the contemporary situation.However,as a new type of rural cooperative finance organization,it still faces various risks in practice,such as management risk,liquidity risk,credit risk,operational risk and market risk.How to prevent and control these risks better has become the priority among priorities for the healthy and orderly development of mutual fund work.At present,the "Huangshan model" of mutual fund risk prevention and controlling in professional cooperatives is in a full swing in Huangshan city.The understanding of the specific risk prevention and controlling mode and the effect of carrying out fund mutual assistance work in Huangshan city is helpful to further solve the difficult financing andexpensive financing problems in rural areas of Huangshan city and further promote the economic development of Huangshan city.In this paper,the specific operation mode of "Huangshan mode" for the prevention and controlling of mutual fund risks within professional cooperatives and the results obtained in recent years are taken as the main research objectives.The unique risk prevention and controlling measures for mutual fund work in Huangshan city are analyzed by combining questionnaire survey and field survey.First of all,this paper gives a detailed overview of the background of the topic selection and the establishment of the "Huangshan model" of mutual fund risk prevention and control.Second,according to the questionnaire and on-the-spot investigation situation of Huangshan city in the process of mutual funds work launched a variety of risk prevention and controlling measures and results of a preliminary understanding,at the same time,according to a communication related to capital HuZhuBu head to understand in this mode the cooperative work of mutual funds,and operation process of the main policy legal risk and put forward corresponding Suggestions;Finally,according to the research situation of the research to make a summary,in the full understanding of professional cooperatives internal mutual funds risk prevention and controlling of "Huangshan mode" on the basis of exploring the mode of popularization value,this paper puts forward the unified management,reduces the risk of market and multiples guarantees reduce the credit risk,improving the internal personnel professional quality the organization,risk prevention and control of digital,adherence to perform their functions,the government departments to do a good job of monitoring indicators bottom line such as promotion proposal.These measures ensure the healthy and orderly operation of mutual financial assistance of farmers' professional cooperatives,better solve the problem of difficult and expensive financing in rural areas,and serve the rural economic development.