Ccredit Risk Of Farmers’ Professional Cooperatives In Fujian Province

Rural revitalization is one of the seven national development strategies.Cultivating and developing new agricultural management subjects is the necessary requirement of perfecting rural financial service system and carrying out national strategy.Specialized farmer cooperatives are an important new type of agricultural operation body for rural economic development and farmers’ income increase.They are also an important force for rural revitalization,building a well-off society in an all-round way and achieving common prosperity.Although the specialized farmer cooperatives in Fujian Province have achieved rapid growth in quantity,driving the development of more than 40% of farmers,they have not yet entered the stage of high-quality development and are still in the initial stage.Due to the credit difficulties and risks of specialized farmer cooperatives,it is difficult to have sufficient funds to transform into high-quality development.Therefore,to find out the credit status of specialized farmer cooperatives and identify the risk factors that may exist in the credit of specialized farmer cooperatives are the core issues to solve the problem of obtaining financial support and developing to high quality.The research on credit risk factors of farmer specialized cooperatives is a relatively complex practical problem with relatively insufficient research and practical exploration in the new period,and it is one of the new topics to be urgently studied.Centering on this theme,this topic follows the following logic to conduct research: First,define relevant concepts,introduce relevant theories,and provide theoretical analysis basis for the research.Second,it is through the literature material and on-the-spot investigation analysis the current situation of the development of farmers’ professional co-operatives,credit status and risk factors,using the method of factor analysis,explore the farmers’ professional cooperatives credit risk factors,it is concluded that cooperatives credit risk factors: financial revenue factors,production factors,bank credit capacity factor,market factor,external factor.Third,it is the cause of credit risk analysis and the cooperative,is put forward in the global development,return to the work itself,improve and strengthen the government’s ability to service regulation,promote the farmers’ professional cooperatives,financial institutions,governments and other interested parties of close cooperation,in order to promote the cooperative credit problems and the optimization of risk and solve,in order to decrease the credit risk of the cooperatives to provide the reference.