The Development Of Farmer Households' Financial Cooperative In The Western China

The farmer households financing, nowadays, is the bottleneck of farmer households'economic development in Chinese western areas. Although the government and financial authorities has already executed a series of rural economy reform, and different proposals from theoretical aspect were given to resolve the issues such as how to optimize farmers household financing environments, how to formulate the public financial policies support etc., it is still insufficient to solve the issues above effectively. The theoretical studies and implementation of different nations indicate that cooperative finance, as a special and main financial module, is the most effective one to solve the issue of ordinary labors'financing, especial the farming labors'financing. However, the Chinese official rural cooperative financial authority - Rural Credit Union which now is only the cooperative financial authority nominally, has become the commercial financial organization indeed. As a result, it is hard to have the systemic advantages which the cooperative financial authority should have. Therefore, this paper, standing on the promoting rural economy, focusing on the difficulties of farmer households financing in Chinese west areas, basing on the cooperative financial theories, raises some proposals and measures of the farmer-households-oriented cooperative finance organization development by using the combination methods of case study, the normative research study and the analyzing methods of information economics.The orientation and logical framework of the research are as follows: based on the theories and practice, this paper analyzes the demands of farmers household crediting and the reasons which result to the insufficiency of effective supply for farmer households credits funding; based on the practicing experiences of cooperative financing domestic and abroad, this paper claims that it is possible to resolve the issue of farmer households financing satisfactorily if the farmer-households-oriented cooperative finance organization development has developed adequately. On the analysis of what systemic advantages the cooperative finance organization has as the farmer households financing agency, the farmer households'cooperative intention, the economic basis of farmer households, the farmer households'cooperation policy environment and the practice and developing of farmer households'cooperative organization, this paper demonstrates the necessity and feasibility of re-establishment of the farmer-households-oriented cooperative finance organization in Chinese west areas. Moreover, citing on the theories of management and economics, this paper presents the essential assumption on the development of farmer households'cooperative organization and the proposal on the development of farmer households'cooperative organization in west areas under the guidance of basic cooperative finance theories. According to the logic and structure, this paper was divided into seven chapters.Chapter one: Preface. This chapter mainly introduced the research background, purpose, meaningfulness, concepts and methods. The main points in this chapter are: to estimate the relating cooperative financial reference and research results domestic and abroad; to summarize necessary theories, concepts and methods for this study; to declare that the research study is to explore the issue of the farmer households'cooperative financial organization development in Chinese west areas.Chapter two: The analysis on the demand of farmer households'cooperative financing. In order to explore the measures on how to solve the difficulties of farmer households'cooperative financing, this chapter, based on the research study and theories review, analyzes the characters of farmer households'cooperative financing and the reasons resulting to the insufficiency of rural finance organization, and indicates that the incompletion of farmer households'cooperative financial organization is the important reason to cause these difficulties. Therefore, it is necessary to reestablish the farmer households'cooperative financial organization.Chapter three: The experiences and illumination from the improvement of oversea cooperative financial organization. Reviewing on the improvement practice of farmer households'cooperative financial organization in some developed countries like Germany, America, France and Japan, new rising country like Korea, and other developing country like India, draws some worthy experience and illumination. Furthermore, the study also indicates that the rural cooperative finance is an effective method to resolve the difficulties of the farmer households'financing; and the farmer households'cooperative financial organization is the base and key point in the whole cooperative financial improvement for is has important function as financing agency. And it is necessary to establish the operation principle for serving the farmer households and the complete management system in order to reestablish the farmer households'cooperative financial organization. Besides, the government should give farmer households'cooperative financial organization some essential support and positive guidance.Chapter four: The analysis of the essence of farmer households'cooperative financial organization development. This chapter mainly demonstrates the financial agency's advantages that farmer household's cooperative organization can exert in the farmer households financing process. Besides, this chapter also analyzes the cases about the intention of farmer households'cooperation, the economic bases of farmer households'cooperation and the farmer households'cooperation policy environment. It also indicates that it is necessary and feasible to reestablish the farmer households'cooperative organization in Chinese west areas based on the successful practices of farmer households'cooperative organization.Chapter five: The construction of farmer households'cooperative financial organization framework in Chinese west areas. Referencing on the oversea cooperative finance experiences, management science and the theories of economics, to raise the substantial proposals in the aspects of the principle of reestablishing cooperative financial organization, the system of Property Right, the organization management, the managing operation, the risks controlling, the obligation and promotion and the capital operating.Chapter six: The proposals on the development policy of farmer households'cooperative organization in Chinese west areas. Referencing on the oversea advanced experiences, to present the critical proposals on improving farmer households'cooperative organization in Chinese west areas like to establish policy assurance system, to improve the legal system, to establish the complete assurance system, to stimulate farmer households'cooperation intention and credit principle, to give essential training for these farmer households and to cultivate more financial professionals.Chapter seven: Research results and the prospect forwards.