Research On Financing Of Farmer Specialized Cooperatives Under The Background Of Rural Revitalization

Farmers’ specialized cooperatives are one of the new agricultural management subjects supported by the state.In recent years,especially since the implementation of the rural revitalization strategy,it has entered a period of rapid development because of its functions of saving market transaction costs,improving the competitiveness of agricultural products market,expanding the scale of agricultural operation and increasing the operational income of farmers.With the in-depth development of farmer specialized cooperatives,improving the quality and efficiency has become an important task of cooperatives.Cooperatives urgently need to break through the financial bottleneck and achieve higher quality and more sustainable development.However,the financing of farmer specialized cooperatives is still faced with outstanding problems such as single financing approach,backward financial management technology,difficulty in financing and loan application,high financing cost,and failure to give full play to the government’s guidance effect,which to a large extent hinder their rapid development and growth,and need to be solved in the next step of the quality improvement of cooperatives.The research shows that at present,with the development of rural revitalization and the upgrading of agricultural industry,farmers’ specialized cooperatives have a new development trend.This is reflected in the increasingly prominent role of farmer specialized cooperatives,the expansion of business scope to new fields,brand building has become the focus of the development of farmer specialized cooperatives and the increasing demand of farmer specialized cooperatives for productive agricultural infrastructure.Accordingly,the characteristics of the financing demand of farmer specialized cooperatives have also undergone new changes,which are reflected in the increasing demand for funds,the increasing requirements for the flexibility of funds,the long-term development of the capital cycle and the diversification of the choice of fund suppliers.The financing weaknesses of farmer specialized cooperatives have been significantly enlarged.On the contrary,the financing of farmer specialized cooperatives is still faced with financing difficulties,high financing cost,low financing efficiency,and prominent dislocation of capital demand and capital supply.Chengdu is in a leading position in the development of farmers’ professional cooperatives in China,and its financing problems and the solution of financing difficulties are more representative and typical.In this paper,based on the farmers’ professional cooperative financing needs,Chongzhou City Yunfeng Jinnian professional cooperative as an example,in-depth analysis of the cooperative financing needs,financing difficulties,financing methods and important results,on the basis of case analysis to make a new judgment,From the three dimensions of cooperatives themselves,financial institutions and the government,the countermeasures to solve the financing dilemma of farmer cooperatives are put forward.From the dimension of cooperatives,the construction and management of internal system should be strengthened,and the cultivation of professional talents should be emphasized.From the perspective of financial institutions,it explores the anti-guarantee mode,improves the rural financial organization system,speeds up the construction of credit evaluation system,innovates rural financial products,introduces diversified market players,and deeply combines the Internet with the sales and financing of cooperatives.From the perspective of the government,it should strengthen the guiding,supervising and supporting role of the government,fully mobilize the enthusiasm of financial institutions in issuing credit,appropriately release restrictions to encourage the development of informal finance and trial and error,and properly interpret and revise laws.Through analysis and research,the author makes the following judgment: the main reasons for the problems such as financing difficulties are that the conditions of farmer specialized cooperatives themselves cannot meet the requirements of financial institutions and the cooperatives’ own management ability is insufficient.At the same time,the backward development of rural finance and insufficient support from the government are also important reasons for the financing problems of farmer specialized cooperatives.Therefore,improving the financing service system of rural financial institutions,strengthening the self-construction of farmer specialized cooperatives,strengthening the supervision and support of the local government is an effective way to improve the financing predicament of farmer specialized cooperatives.