Research On The Operating Mechanism Of Fund Cooperatives In Harbin Poor Village

As the state paid more and more attention to "three rural issues", the pace of construction of new rural is also growing faster and faster.It is an important content to build a new socialist countryside by increasing farmers’income and improving their living standards. How to help farmers increasing their incomes and improving their standard of living has became the focus of current social issues. Heilongjiang Province is a major agricultural province, the foundation of agriculture is vital for the economy. Harbin City is capital city of Heilongjiang Province, its rural finance is indeed a very weak joint. Farmers use poor villages rural areas union funds in accordance with the Government’s financial capital of mutual cooperation, the development of methods for the production of paid use, is an innovation for China’s financial investment in rural poverty alleviation and unique Chinese national conditions, farmers voluntary association formed by the Economic Cooperation Organization. To promote rural poverty alleviation through rural credit union funds, one can change the past fiscal inefficiency defects funds to help the poor, on the other hand it is possible to improve the degree of organization of farmers in poor villages, help promote local government, community and each other’s farmers unity and cooperation between the various factors of production in rural areas to achieve organic integration and effective use.While the rural poor villages union funds from Harbin is running effectively for farmers to solve the difficulty in obtaining loans, financing difficulties and other problems, but also revealing many problems. This paper aims to analysis influencing factors for the fund cooperatives operating mechanism Harbin rural poor villages, and then based on the results of theoretical and empirical analysis, putting forward countermeasures and suggestions to improve rural mutual cooperatives operating mechanism Harbin poor villages.In this paper, the theory of cooperatives, rural finance theory, transaction cost theory to study the mechanism of credit union funds to run is the major theoretical support for the rural poor Harbin villages, and comprehensive introduction to the status of its operational mechanism, the author use eight pilot villages field research on the specific circumstances of these poor villages union funds operating mechanism of the formation mechanism of the daily management mechanisms, risk management mechanism, supervision mechanism, profit distribution mechanism to do an in-depth understanding, According to the theory and practice of combining the analysis discussed, pointed out rural fund cooperatives operating mechanism of Harbin poor villages problems,and then proposed improvement measures and the reasons of the operating mechanism of rural fund cooperatives in Harbin poor village.