The Research For Financial Problem To The Farmer Specialized Cooperatives In Beijing

The development of any economic organization cannot do without financial support. With thedevelopment of farmer sepecialized cooperatives (FSC), the financial problem is serious and becometo the the key important of FSC development. The dissertation takes the FSC in Beijing as theresearch objection, uses questionnaire survey and field research methods.We get99surveyquestionnaires, and field researched typical cooperative financing case in Miyun, Pinggu, Tongzhou,etc, take talk with the administive of ABC in Beijing. on this basis，take analys of the status ofBeijing farmers’ specializedl cooperatives’financing, Summed the mode in solving financing of FSCin Beijing. Some suggestions are given in the last.Here are conclusions as follows:1. At present, farmer secialized cooperatives in Beijing has strongdemand for funds.2. The capital requirements to FSC mainly on production demand, with demand period in one to threeyears, the time demand of capital shows uncertainty. Bank is the most desired channels.,but becauseof lack of collateral and credit conditions, the no confidence non borrowers widely exists.3. External financing is an important support for FSCs to become bigger and stronger. But the bank ismore emphasis on liquidity loans, and FSCs main demand for fixed asset investment loans. There is aremarkable structural contradiction between bank loans and FSCs’ demand. From the loan interestrates, the average interest rate loansis6.72%. The local commercial bank loan interest is low, thepostal savings bank states centered, and the Village bank and the State Development Bank is thehighest, which reflect the credit constraint problem is serious.4. Internal credit cooperation is an important channel for internal financing between farmers, butther funds havn’t played its due role. The government interest allowaced is not conducive tothe cooperatives and credit consciousness of FSCs.5. There are four typical modes in practices in Beijing to solve the financing problem:①Establishagricultural guarantee corporation, and government of give discount and interest allowance to FSC.②Forest right mortgage mode.③Cofinance loan of FSCs mode④Internal credit cooperationmode. The common point of the four modes: they all grasped how to solve the core problemof cooperatives lack of full collateral and guarantees. The different poins are: mode①belongs tofinancial product innovation to FSC credit problem, mode②,③and④belong to the governmenttfinancing system innovation. From the view of financing usement, model①is suitablefor large fixed asset demand, mode③is suitable for large liquidity capial demand, mode④and issuitable for temporary small capital demand.6. Suggestions on the financing problem of FSC includes: build cooperative financing socialenvironment, create policy environment, credit environment and the inner environment of FSC.