Study On Mortgage Problems In Harbin Farmers Cooperatives

In 1982, the Central Document No.l formally established the Household Contract Responsibility System, changing the ownership and management rights of rural land, the status of the combination of usufruct, clarify the responsibilities and interests between the collective organization and farmers, farmers become independent, self-sustaining market main body. However, farmers decentralized management, coupled with access to information ability is weak, to a certain extent hindered the land scale development, enable farmers to participate in market competition, couldn’t form the scale. Farmers demand for organizational management mode increasingly urgent. In order to solve the problems of the scale management, the report suggested that the party’s 18 to improve the basic rural operating system, promote the development of farmers’professional cooperatives and other new operators, realize scale management. Farmers’ professional cooperatives arises at the historic moment and develops rapidly.Heilongjiang province is a big agricultural province, the city of Harbin in Heilongjiang province comprises eight area 10 counties, is an important agricultural city. Harbin, farmers’ professional cooperatives legal status gradually clear, has become the mainstream of the rural economic development in Harbin, further promoted the Harbin city to develop in the direction of specialization, modernization and intensive agriculture. Under the background of "Two Great Plains" construction, actively promote the development of farmers’professional cooperatives in Harbin, increased crop yields and quality, scale management enhance the product competitiveness and efficiency, promoting the farmers’income. National and local government attaches great importance to the development of farmers’professional cooperatives, such as the National People’s Congress in the farmers’professional cooperatives law, encourage commercial financial institutions provide various forms of financial services for farmers’professional cooperatives; The Central Committee of the Communist Party of China in "the central committee of the communist party of China on promoting rural reform and development of certain major issue decision" clearly pointed out that in allow to buy agricultural machinery as collateral loans from financial institutions; Heilongjiang provincial people’s congress in the Heilongjiang province farmers’ professional cooperatives regulations, cooperatives can use land usufruct mortgage loans, expected appropriate eased restrictions on cooperatives loans. State and local governments to improve farmers’income, develop rural economic, to support the development of farmers’professional cooperatives strength increasing.Based on the research of Harbin farmers cooperatives capital supply and demand situation, we find that the farmers cooperatives lack of capital, insufficient supply of formal financial institutions, the status problem in the proportion of small mortgage loans, combined with field investigation, found that the Harbin city farmers’professional cooperatives mortgage problems, including compliance, lack of collateral, collateral the lack of collateral value assessment system, reduce risk, information asymmetry between silver agency and agricultural insurance problems, and the use of two element Logistics model and multiple linear regression model of mortgage availability and can obtain the scale of empirical analysis, find that the lack of collateral by the compliance of the greatest impact on mortgage cooperative, mortgage assets and profit level of the maximum mortgage scale effect. Finally as a basis for, we should enlarge the scope of collateral, improve collateral assessment system, strengthening of collateral supervision, strengthen the information communication between silver agency, counter measures for perfecting the agricultural insurance, and ultimately achieve professional farmers cooperatives mortgage loans difficult practical problems solving.