Research On The Risk Control Of Mutual Funding Within Farmers Cooperatives In Province H

As a cooperative economic organization,farmers 'cooperatives have played an important role in promoting farmers' income and agricultural efficiency.In recent years,the internal mutual fund assistance business of the farmer cooperatives derived from it has also shown a vigorous development trend,providing many effective and feasible solutions for solving the problems of "difficult financing,expensive financing,and slow financing".At the same time,due to the lack of risk control,the internal mutual fund assistance business also encountered extremely severe challenges in the process of development and growth.This article selects 30 cooperatives in H province and their mutual fund assistance business as a research sample.With the help of cooperative finance theory,risk control theory and other theories,the methods of social survey,literature analysis,analytic hierarchy process,fuzzy comprehensive evaluation and other methods are comprehensively used.In-depth research was conducted on the risk control of mutual fund assistance within farmers cooperatives.The article starts with finding the financing risk,investment risk,operating risk,income distribution risk,etc.in the internal mutual capital assistance business,carefully analyzes the performance and causes of the risk,and determines and ranks the index weight of the internal mutual capital assistance risk of farmers' cooperatives through the analytic hierarchy process.The fuzzy comprehensive evaluation method was used to comprehensively evaluate the mutual capital assistance risk of farmers 'cooperatives,and the risk assessment results were analyzed one by one,and the conclusion that "H province's internal cooperative funds of farmers' cooperatives generally face higher risks and urgently need to further strengthen risk control" was concluded.The author believes that the existence of mutual financial assistance risk is not only a result of lack of sufficient attention at the ideological level,but also a result of the lack of regulatory guidance at the institutional level,and a result of the lack of regulatory mechanisms at the operational level.Therefore,at the end of the article,aiming at the problems found in the evaluation research process,combined with the actual situation of mutual financial assistance within the farmers cooperatives in H province,we will target from financing risk control,investment risk control,business risk control,income distribution risk control,etc.Four aspects proposed 13 specific countermeasures and suggestions.The development of farmer cooperatives is the general trend,and it is a practical requirement to regulate the internal mutual fund assistance behavior.This article focuses on the overall situation of the development of agriculture,rural areas and farmers,and conducts research on the issue of mutual financial assistance within farmers' cooperatives,with a view to providing ideas for promoting the standardized and scientific development of rural cooperative finance.