Research On Factors Influencing Financing Of Farmers ’Professional Cooperative In Enshi

Farmers’ professional cooperatives are effective ways to increase farmers’ income,improve agricultural production efficiency,promote the development of agricultural modernization,and eliminate poverty in rural areas.There is a widespread shortage of funds and difficulties in financing in China’s farmers’ professional cooperatives.Taking Enshi farmer’s specialized cooperative as an example,this paper studies the difficulty of financing,Focus on research on influencing factors,and gives some feasible,feasible and innovative countermeasures and suggestions.First of all,this paper introduces the research background,the research significance,the research method,the research content,the domestic and foreign research results,and so on.Secondly,the development course,the development scale,the development mass,the organization structure,the financing limit,the financing source of the financing,the financing use,the financing period,the financing mortgage guarantee form and so on are introduced in detail.Then,based on the literature induction method and the interview consultation method,the problem investigation index is determined,and the person in charge of the farmers’ professional cooperative of Enshi State is selected as the investigation object.The survey results show that the main problems are as follows: the financing channel is relatively single,and the excessive reliance on the government and the silver The efficiency of financing service is low,lack of information-based financing service platform;financing quota is difficult to meet the development needs,financial institutions have low willingness to finance;The innovation of financing loan products is not matched with the production and operation of farmers’ specialized cooperatives,and the forms of financing collateral are less,and the popularization rate of new forms of mortgage guarantee is not high,and so on.The reasons for these problems include: insufficient strength of farmers’ professional cooperatives,restricted by the consciousness of development,lack of guidance on financing policies concerning agriculture and agriculture,and lack of obvious effect on the landing of the policies;Financial institutions have a low willingness to finance loans,thefinancing threshold is high.At the same time,in order to get a better understanding of the farmers in Enshi,The paper adopts AHP Analytic hierarchy process(AHP)to construct the index system of financing influencing factors.The system includes financing channel,financing service,financing policy,product innovation of financial institutions,and so on.Five first-level indexes,such as financing mortgage guarantee,and 19 second-level indexes of subordinates,are found out through the modeling results of analytic hierarchy process(AHP).The influence weights of the above five first-level indicators on the financing results of the farmers’ professional cooperatives in Enshi were 0.307,0.111,0.091,0.138,and 0.335.The weights were 0.307,0.111,0.091,0.138 and 0.353 respectively.Finally,in view of the above problems and empirical modeling results,combined with the operational experience of foreign cooperatives,put forward some innovative,practical countermeasures,including: active use of network financing,expansion of funds channels;Construct the information platform of financing loan,improve the efficiency of financing service,improve the standard of reward and punishment in supporting agriculture,improve the guiding role of financing policy to financial institutions,strengthen the innovation of financing products and accept the form of mortgage guarantee which accords with the characteristics of cooperatives.At the same time,the future research prospects are put forward,including: exploring the influencing factors model of financing willingness of banks and other financial institutions,exploring the network financing model and agricultural products.Product and futures marketing system and so on.