Study Of Farmer’s Participating Behavior In Farmer’s Mutual Fund Cooperative And Affeeting Factors

In the process of economic development in rural areas, capital requirements of small-scale peasant are "acute, small, scattered, and frequency", so it’s difficult to docking with formal rural financial. The dramatic contrast between farmers’ captial demand and external financing dilemma, and eventually gave birth to the rise of the Farmer’s Mutual Fund Cooperative. From the current development situation, the f Farmer’s Mutual Fund Cooperative has been made in the development, but there are a range of issues.Review of existing research literature is not difficult to find that, research for Farmer’s Mutual Fund Cooperative mainly focus on the macro and theoretical level argumentation analysis, fewer commence from the micro-level, multi-angle analysis. As farmers are the main target of Farmer’s Mutual Fund Cooperative, the main source of funding is also comes from members. Therefore, the status of the research as the main body of the rural financial service object farmers to join the Farmer’s Mutual Fund Cooperative, and what factors affected the behavior of farmers of the entrance, and members to obtain loans from the Farmer’s Mutual Fund Cooperative becomes necessaryIn view of this, make the local farmers in Farmer’s Mutual Fund Cooperative as the research object, closely related to the level of economic development and the development of rural financial reality, selected farmers in two different townships of Dong-hai County, Jiangsu Province, as the research object. And research contents mainly include:First, examine the the pilot status quo of the Farmer’s Mutual Fund Cooperative in Jiangsu Province, and further to the Farmer’s Mutual Fund Cooperative in Dong-hai County, analyzed the current situation of farmers’participation, motivation to participate, the main reason that did not participate in, as well as the sitiaton of member’ getting loans; then, use of the theory with the actual method focuses on farmers’behavior to participate in Farmer’s Mutual Fund Cooperative farmers’ credit union funds and the influencing factors, and used Logit binary model empirical analysis to determine what factors have a significant impact on the participation of farmers’behavior.Finally, we come to the following conclusions:(1) in Dong-hai County, the development of Farmer’s Mutual Fund Cooperative had alleviate the problems of local farmers getting loans to some extent, the social motivation of farmers to join in Farmer’s Mutual Fund Cooperative is diverse, including the most important payout and financing opportunities; farmers did not join in the Farmer’s Mutual Fund Cooperative mainly due to lack of understanding of the organization and that the risks are too high;(2) the empirical results shows that:the type of capital requirements, participation of family and friends, village cadres’attitude, expected impact to revenue, and risk perception of Farmer’s Mutual Fund Cooperative, significantly affected the behavior of farmers to participate in. Among the all, participation of family and friends, risk perception, the productive capital requirements, are three variables the greatest influence on the behavior of farmers to participate in.In suggestions, to increase the attractive of Farmer’s Mutual Fund Cooperative to farmers, to improve farmers enthusiasm that participate in Farmer’s Mutual Fund Cooperative, firstly, should step up publicity, to enhance the credibility of the Farmer’s Mutual Fund Cooperative, and to improve the farmers knowledge level for it; Second, the Farmer’s Mutual Fund Cooperative must have a clear target, strengthen communication, and to protect the interests of members, and strengthen the mass basis of cooperation; once again, the Farmer’s Mutual Fund Cooperative itself should strengthen the management and control the financial risks; Finally, the government departments should strengthen the supervision of c Farmer’s Mutual Fund Cooperative, and to support it in farmersand.