Research On Develop Ment Of Production Mutual Fund In Harbin Poor Villaye

With the development of the construction of the new countryside, our centural government begin to pay more attention the"three rural issues". How to solve the income problem and to increase the living standard has vecome the most concerned topin of the whole society. Agricultural economy has a foundation position in Heilongjiang province, which is a major agricultural province. However, as one of the most improtant agricultural cities in Heilongjiang, haerbin city has the weakest rural finance in the link of financial system of the whole province, which has become the most important factor to affect the development fo poor areas, as well as an important factor to prvent poverty-stricken farmers becoming rich."The development of mutual funds"in poverty stricken village is to hand over the government's financial resources to farmers in accordance with the mutual assistance and compensation for the use in order to develop production, it is also a specific innovation in rural poverty alleviation of China's financial capital investment and an economic cooperation organization with Chinese characteristics voluntary association formed by famers. By mutual funds to promote rural poverty alleviation, on the one hand it can change the past, the financial capital into it inefficient and difficult to target the deficiencies, it also can improve poor farmers in rural areas the degree of organization and ability to cooperate for the promotion of rural areas, government, society and the unity and cooperation between farmers to realize the organic integration of various resources in rural areas and the effective use of available channels.Harbin City to carry out poverty-stricken village,"the development of production mutual fund" pilot has been financing farmers in resolving the difficulty in getting loans,etc. has made gratifying achievements in the development process but also exposed a series of problems. This article aims to farmers involved in mutual funds by analyzing the influence factors of influence to identify the reasons for farmers to join mutual funds, and then put forward a sound poverty-stricken village,"the development of production Mutual funds" countermeasures and proposals.In this paper,from the poor village,"the development of production mutual fund" start with the basic theory,respectively,from the regional economic,market and competition arising therefrom are not entirely cooperative economy such as mutual funds associated with the production of the theory were discussed. Then,introducing the development of poor villages around the city of Harbin mutual fund pilot production of the actual operation,through the townYanhe Yanshou Mission Village, San Fat Estate,Bayan Long miaozhen the Dean Village, Founder County,Shonan Village of the field survey conducted in pilot regions,Hongxing Village,visits,distribute the survey questionnaires,interviews and other forms of households Omaha poor village,"the development of production mutual fund" the background,status,management and the existence of an in-depth understanding of the issues. Finally,the theoretical impact of the farmers to join the various indicators of mutual funds division,using factor analysis to extract the impact of farmers involved in the current mutual fund the development of production factors: namely,the farmers cognitive factors, scale factor of economic activity,social evaluation factor,Remaining capital flows factor; then through the Logistic regression model of these four factors on the behavior of farmers involved in whether the impact of significantly affecting the direction and the marginal impact analysis to identify the issues affecting farmers to join the reasons for mutual funds,a significant degree of their influences were as follows: the scale factor of economic activity,farmers cognitive factors, residual flows, and social factors evaluation factor. Then according to the results of the analysis of theory and practice, it point out the problems of mutual funds development of Harbin, and put forward sound countermeasures and suggestions of "the development of production mutual fund" of poverty-stricken village in Harbin.