The Research On Symbiotic Development Between Rural Fund Cooperatives And Farmers’ Cooperatives

"Three rural issues" is always the focus on the work of the Party and government. Whether we can solve it is highly related to China’s rural economic development, the process of new rural construction and the overall situation of modernization. With the development of China’s socialist market economy, a kind of new rural mutual financial institutions named rural fund cooperatives and a kind of new rural cooperative economy organizations named farmers’cooperatives have emerged in the vast rural areas, who have made some progress with their own advantages and external incentives and contributed to promote rural economic and financial development and farmers’ income. However, because of the nature and structure of new things being not completed and a lot of negative factors such as financial environment, policy support, legal protection, the quality of peasants and social risk, the development of rural fund cooperatives and farmers’ cooperatives is affected in quality and quantity. The eighteen plenary meeting puts forward that the reform of economic system is the key to deepen the reform comprehensively and we should improve the financial market system, develop inclusive financial, encourage financial innovation, speed up the construction of new agricultural management system, promote the innovation of agricultural management mode on the basis of household management, develop diverse forms of scale management and develop rural cooperative economy. Therefore, it is very important to promote the development of rural fund cooperatives and farmers’ cooperatives.Different from focusing on the isolated research on the development between rural fund cooperatives and farmers’ cooperatives, this paper deeply analyzes the symbiotic development between them with Financial Symbiosis Theory based on Marx’ system thought and cooperative economy thought. The thesis defines their concepts, investigates their connections and differences and independent development and symbiotic situation of them. We hold that the symbiosis of the two is objective and available.Their financial symbiotic mode mainly belongs to intermittent asymmetrical mutualistic symbiosis and they must develop to continuous symmetrical mutual symbiosis as common evolution. At the same time, their symbiotic development is faced with the lack of financial environment, the lack of legal environment and the lack of social environment. We put forward some useful policy recommendations for their symbiotic development and co-evolution based on a comprehensive analysis of their financial symbiotic relationship, symbiotic mode and symbiotic environment. Firstly, strengthen financial symbiotic unit through strengthening rural fund cooperatives and farmers’ cooperatives. Secondly, improve financial symbiotic mode through strengthening symbiotic relationship and innovating development mode. Thirdly, optimize the financial environment through increasing the sources of funds and reducing the financial repression, optimize legal environment through strengthening policy support and improving laws and optimize social environment through establishing an effective mechanism and augmenting social cognition.