Research On Financing Of Farmers’ Professional Cooperatives In Shouguang

Farmers’professional cooperatives as a kind of new rural cooperative economicorganization，plays an important role in the development of agricultural economy in ourcountry， the farmers’professional co-operatives can be organized the dispersed farmers toadopt the way of democratic management， in order to increase the income of members as themain purpose， to provide its members of production materials procurement， transportation，processing of agricultural products，sales，storage service，etc. Farmers’professionalco-operatives of financing activities on the healthy and fast development of farmers’professional co-operatives plays an important role in promoting， but farmers’ professionalco-operatives is currently facing a serious shortage of funds， financing difficult problem.Although the state has issued relevant policy and law support， but the farmers’ professionalco-operatives， the difficulty of financing for a long time restricts the farmers’ professionalco-operatives become bigger and stronger， seriously affected the farmers’ professionalco-operatives expand business scale. So the paper studies the financing present situation andproblems of the farmers’ professional co-operatives， find out the reason of financingdifficulties， and to explore effective method to solve the farmers’ professional cooperativefinancing difficulties， is conducive to the healthy development of farmers’ professionalco-operatives， thus conducive to speed up the agricultural modernization.As the farmers’professional co-operatives was originally created in the1990s，with therapid growth of Shouguang agricultural economy， Shouguang farmers’ professionalco-operatives also get rapid development， a farmers’ professional cooperatives，1215bythe end of2013，involved in fruit and vegetable planting，processing and sales and livestockbreeding， etc. Shouguang based on farmers’ professional cooperative financing problem asthe research object， on the basis of combing the domestic and foreign existing researchachievements， and planning the research purpose and research significance， design theresearch idea， choose the research methods， on the cooperatives and financing theory as theinstruction，through to the Shouguang farmers’professional club financing current situationof the research， discovered the Shouguang farmers cooperative financing process due to therelatively small size of the cooperatives so less access to financing； Or caused by a lack of understanding of farmers’ cooperatives， may make it harder for companies to enoughmoney exchange and cooperative； At the same time， the national government funding forfarmers cooperatives have to； Finally the farmers financial institution construction andservice is not perfect， cannot provide the financing cooperatives need to support. Then basedon the research of the Shouguang farmers’ professional co-operatives to use eviewseconometric model to analyze influence cooperative financing difficult problem， mainlyfrom the cooperative set up a number of years，cooperative credit rating，the escrow，assetsmortgage，if there is an acquaintance，cooperative years age，cooperative President office，cooperative staff Numbers and asset profitability study， found that cooperatives set up anumber of years， cooperatives credit rating， the third party guarantee， mortgage，relationship with the bank assets， if there is an acquaintance introduced the six indexessignificantly better， cooperative， age and cooperative President office number twoindicators on the10%significant level， significant， cooperative staff number， assets profitmargins， these two indicators at20%level of significance， significant difference， the restof the indicators are not significant. You can see that the financial institutions in the co-oploans， more consideration to a good relationship with the bank， with the third partyguarantee，mortgage assets of cooperatives，at the same time，the cooperative set up a longtime， excellent credit cooperatives in the aspect of financial institutions to obtain loans alsohas considerable advantages， these cooperatives are more likely to obtain loans of financialinstitutions. Finally the empirical results and the problems of cooperative financing itself fromthe aspects of government， construction and external cooperative itself put forwardcountermeasures and Suggestions to improve the cooperative financing difficulties.