Based On The Cooperation Of The Perpective Of The Farmers’ Financial Research

From the farmers’ perspective, this paper firstly reviews the rational farmers and production farmers in the classical literature, basing on this, we research their economic behavior and draw the conclusion that economic behavior of our farmers in China is more comprehensive. Because of the the instability of income and the limitations of family protection function, our farmers are keen to savings, their enthusiasm about consumption and investment are repressed. Secondly, through the study of the credit characteristics of the farmers, we could know that their credit characteristics are full of nostalgia Credit, especially consumption credit. And under transformation of the social background, there are contractual credit characteristics. In the analysis of previous context, the article starts to research financial needs of farmers, including low transaction costs, anti-risk and security as well as other financial needs.Because of the restrictions of commercial financial system and operating, they can’t fullfill the farmers’financial needs. So they need to find new financial organizations.The financial foundation is similar to rural background, but also has the advantage of the internalization transaction costs and mutual aid, plus it can effectively protect the safety of the borrowed funds. Therefore, it could meet financial needs of our farmers. Comparing cooperative finance organizations with other financial institutions, it is full of more innovative. So we can solve the financing problems of the farmers based on the cooperative finance organizations. This paper further illustrates this point through the PK between farmers and financial institutions. The cooperative finance has always been existed in our country’s rural financial system. The article selects formal rural credit cooperatives and credit union funds as a representative to study the difficulties faced by our cooperative financial institutions. The development of rural credit cooperatives is a complete departure from the cooperative because institutional change, exclusion of farmers to participate, too much government intervention, as well as multiple stakeholders Game. Rural credit union funds is admitted by the government, but their legal status is not clear, the design of the system is also flawed, farmers also adopt a wait-and-see attitude, therefore, the development is not smooth. At last, we propose appropriate countermeasures: cooperative finance must protect the interests of farmers, and farmers as the main institutional change, the government should change the way of participation, play good supervision and service functions. Finally, we should also strengthen cooperation with other financial institutions relationship, and to promote the development of rural finance and economic together.