Study On Financial Ecology Of Rural Fund Mutual Cooperative In Heilongjiang

Rural finance is the center of the modern rural economy. China’s agricultural foundation is weak. The level of economic and social development in rural areas lagged far behind the city. And the income gap between urban and rural residents is growing. One of the important reasons for these problems is the serious financial "anemic" in rural areas. The rural fund mutual cooperative is a useful exploration to establish various forms of main supply of rural finance. To a certain extent, it meets the financial needs of rural areas to supplement, improves the rural financial market and increases the financial support to the rural economy. The establishment and improvement of rural fund mutual cooperative has a big influence on farmers’production and living. Thus it becomes the focus and difficulty of the current rural financial system reform. The establishment and improvement of rural banking system is the important content of building a new socialist countryside. It is also the basic requirement of carrying out Scientific Outlook on Development and constructing harmonious society.As the major agricultural province of China, Heilongjiang is rich in agricultural resources, but also has the huge rural financing gap. In order to improve the rural financial organization system, activate of the rural financial market, and alleviate loans pressure of farmers and the rural small and medium-sized enterprises, Heilongjiang province started pilot rural fund mutual cooperative at the second half of2009. By the end of2013, there are5rural fund mutual cooperative in Heilongjiang. Due to the establishment of a relatively short time, its lack of development and supporting system, it also faces a lot of problems.The rural fund mutual cooperative do not exist in isolation, and its sustainable development need many factors to ensure. These factors influence and constrain with each other, just like the factors in the financial ecological. In views of this, this research is about rural fund mutual cooperative on the financial ecological theory. Financial ecology is a dynamic equilibrium system of the financial organization itself and the external environment interrelate and interact on each other, to achieve a certain function. It include three parts, which is financial ecological entity, financial ecological environment, and financial ecological regulation.According to the research of rural fund mutual cooperative in Heilongjiang, it is found that there are different kinds of problems of rural fund mutual cooperative, on the sides of financial ecological entity, financial ecological environment and financial ecological regulation, including the low level of profitability and personnel quality, the undesirable fund demand, the imperfect legal, the low social credibility, the lack of policy support and rational regulation, and the ineffective of internal constraints. At the same time, Calculation on the rural fund mutual cooperatives financial ecological factors in Heilongjiang province level and the influence and the use of AHP and fuzzy comprehensive evaluation method, it found that the financial ecological of rural fund mutual cooperative is in a primary level, and it is influenced mostly by financing ability and the legal environment. Finally, based on these, it puts forward the corresponding countermeasures to improve the financial ecological entity, optimize the financial ecological environment and promote the financial ecological regulation of rural fund mutual cooperative.