Study On Farmers’ Specialized Cooperatives Of Credit Supportment In Harbin^** Bank

With the commercialization of agricultural production specialization and improvement of traditional farmers,the disadvantaged position in the strong competition in the market became clear. In order to solve the contradiction between small producers and large farmers market among the farmers to reduce risks and uncertainties, and gradually improved transaction efficiency, so many of the same agricultural producers and rural operators organized a lot of farmers’ professional cooperatives in many different ways and to rapid development. However, on the whole, the level of farmer cooperatives development of China is not high, there were still many constraints, which the shortage of funds was particularly prominent.The government has put forward a series of policies to solve the shortage of funds. But from a practical standpoint, the bank enthusiasm for farmer cooperatives was still very low and the bank just supported the well-established farmer cooperatives to reduce the Bank investment risk on agricultural projects.Based on the basic situation of Harbin**bank credit support to the farmer cooperatives through field investigation and visiting with farmers engaged in the cooperatives work, this paper introduced the bank loan process and the approach with examples. Firstly, the paper researched the development of domestic and foreign cooperatives which owned bank’s credit support.Secondly the paper studied the dynamics and trends of farmer cooperatives which owned the bank’s credit supportment.In the end the article focused on analyzing the situations of the four farmer cooperatives which the bank has supported, the situation of farmer cooperatives were analyzed and summarized.The current bank loans mode of cooperative was the direct model, and introduced the relevant loan process, risk control and credit problems.They were lack of loan guarantees, loan management implementation does not reach the designated position, credit risk is difficult to control and weak profitability. Secondly,through field research, invited12experts to find the influential factors of bank credit cooperatives and picked out the influential factors to study.Through using principal component analysis method, the results showed that the main factors affecting the current bank credit support to farmers’ professional cooperatives were:the loan principal, security, operating stability.The loan scheme to support three credit cooperatives are experts selected,choose the best scheme, namely cooperative collateral.Cooperatives only provide collateral effectively, reduce the credit risk of banks, and gradually made banks and cooperative win-win situation.To build the bank credit loan model through factor analysis,these loan model were:(1) leading enterprises loan guarantee mode, leading enterprises to provide security for the cooperatives, cooperative security solved fewer problems;(2) cooperative property mortgage guarantee loan pattern, so that multiple cooperative join guarantee mortgage assets, solve the problem of a few individual cooperative security;(3) cooperative credit loan model, the cooperative credit centralized collection, bank according to its credit rating loans, to solve the lack of effective security problems of cooperatives. After that, this paper emphasized the bank credit risk control, the bank need stratified control credit risk system,establishing the job’s supervisor system and the establishment of advanced information management and supported system, a simplified risk operation process, clear regulatory objectives, improved risk supervision efficiency. Then,this paper proposed before the bank credit cooperatives existing problem sand the future of the promotion, supporting the development of farmers professional cooperatives relevant countermeasures and suggestions were:the bank credit cooperatives should have clear property rights mortgage assets;to encourage agribusiness cooperatives to mortgage credit rating loans;explore ways and improve the credit risk control system. Finally, the paper was summarized and prospected.