Research On The Development Of Mutual Financial Assistance In Shanxi Rural Areas

Rural fund mutual assistance or ganization is a kind of mutual aid fund service organization that provides mutual loan business to the funded members within the farmer professional cooperative through the adoption of the farmers ' professional cooperative members' meeting based on the principle of Democratic management,self-service,mutual benefit and mutual benefit.It is a nascent or ganization in rural areas that aims to solve the small and scattered capital needs of farmers in their production and business operations.Its establishment will help to solve the problem of the difficulty of financing agriculture,rural areas and farmers.It will also help promote production cooperation among rural economic or ganizations such as specialized farmers 'cooperatives.Help to promote the better development of modern agriculture.The advantages of mutual assistance are clear target,low cost of information,convenient procedure and good mass foundation.The disadvantages are the difficulties faced by capital absorption,limited service ability,management ability to be improved,and poor risk prevention ability.At the same time,the external environmental threats and opportunities for its development coexist.External opportunities include the shortage of rural financial funds,a series of supportive policies related to rural mutual fund assistance,the vigorous development of professional cooperatives that mutual fund assistance organizations rely on,and the rapid development of industries;External threats include unclear legal status,in adequate supervision and inadequate policy support.The development of mutual fund cooperation in Shanxi province should be based on improving the service capacity of mutual fund organizations and optimizing and improving the external environment.To improve the service capacity of mutual fund assistance,we should broaden the source of funds,follow the principle of prudent management and position the market for agricultural services,strengthen financial innovation,establish a regular information exchange mechanism among members,and diversify the development and service of rural capital cooperation organizations.We need to expand the industrial chain and maintain a good social image.To optimize and improve the external environment,we need to determine the legal status,improve the rules and regulations,strengthen policy support,and strengthen the construction of rural financial and ecological environment.At the same time,mutual fund organizations need to focus on risk prevention.On the one hand,the risk prevention and control of mutual fund cooperation should establish a scientific and effective internal management system.This should start from the aspects of corporate governance structure,financial management system,and education and training.On the other hand,regulating the credit system,strengthening external supervision,and improving the mechanism of credit risk sharing are also important means of risk prevention.The author's occupation is closely related to the development of Shanxi rural fund mutual aid business,and has collected a lot of raw materials about Shanxi rural fund mutual aid.The research of this article has positive significance for the future development of Shanxi rural fund mutual aid organization.