Financial Service Innovation Research Of Farmer Professional Cooperatives In Hebei Province

Finance is the economic growth and the motive force of the economic development of the engine. Rural finance is the core of modern rural economy. To effectively solve the rural financial supply problem is the important means to promot the rural economy society level, Living standards and promote the all-round development. In 2008,“The central committee of the communist party about promoting rural reform and development on major issues”proposes to establish of a modern rural financial system, to increase the rural financial policy support, and broaden the financing channels, comprehensive fiscal lever and monetary policy tools, tax breaks and cost of directional subsidies, lead more credit capital and social capital to the countryside; The normalized development of various forms of a new type of rural financial institutions and to serve rural regional small and medium-sized Banks; To encourage the development of suitable for rural characteristics and needs of the various satellite financial services; Allow the rural small financial organizations from financial institutions financing; Allow conditional farmers’ professional co-operatives creditable cooperation; The standard and guide the healthy development of the folk lending. Speed up the rural credit system construction, providing the policy basis and good policy for the rural cooperative finance multi-level and multi-channel development.This paper take property right theory and Principal-agent theory as theory basis and on the widespread investigation and study and in the typical survey foundation to Hebei province of farmers’ professional co-operatives financial operation, has conducted three aspect research: Hebei province rural financial institutions development situation and restriction of rural financial environment factors (chapter 3-4), the different development stages of the professional cooperatives credit operation mode (chapter 5), Agriculture super docking capital chain rupture solution to the problem of (chapter 6).The different development stages of the farmers’ professional co-operatives need different mode of financing, Pay attention to restricting factors that the rural farmers lack of the mortgaged property, the rural credit environment, the rural financial anti-risk measures of the rural financial on the familiar with related laws and government policy foundation. To solve the above problems, and making the innovation of financial products and operation model feasible.Agricultural super-docking actively develop the way of modern agricultural products circulation,the farmer’s income continuous increasely,guarantee for urban residents of the supply of agricultural products and safety,accelerate agriculture and rural economic development.But the problem of fund chain break in agricultural super-docking,become the bottleneck restricting in development,needs the innovation of financial means to make agricultural super-docking is able to carry out smoothly.