Study On The Operation Effect Of Famers Credit Union Funds In Poverty Areas

Poverty-stricken areas of rural financial development lag,shortage of funds hindered the development of rural agricultural economy.Agricultural demand is seasonal,small scale,coupled with the risk of uncertainty,low income characteristics,commercial banks do not want to provide financial services for farmers,rural funds supply rigid shortage.The contradiction between supply and demand of rural funds is prominent,which has also led to the establishment of rural mutual funds to solve the problem of shortage of farmers in poverty-stricken areas.In 2013,Gansu Province Jishishan government formulated the "on the establishment of village-level industrial development fund mutual aid guidance",the county to the village as a unit to build rural funds mutual aid society.This paper investigates the 28 Famers Credit union Funds in the county,and studies the effect and existing problems of Famers Credit union Funds in poverty-stricken areas.Based on the field research results of rural fund mutual aid societies,this paper focuses on the poverty alleviation Famers Credit union Funds in poverty-stricken areas,such as "government + members(poor people)+ enterprises + other",as the focus of this paper,Regional operation performance and operational results.And on this basis,it analyzes the problems existing in the process of Famers Credit union Funds and the suggestions for improving the problems.In this paper,we use the DEA model to analyze the performance of 28 rural credit cooperatives,and divide the operating efficiency through the scale of funds,the fee of entry,whether the enterprises join or not,and get the effective range.Secondly,The results of the operation of the final analysis of the problems arising from the operation.The main findings are: First,the size of mutual aid funds mainly concentrated in the 80 to 90 million,the effectiveness of the operation of mutual aid is: 70-80 million scale of funds,members of the membership fee of about 150,000,by the enterprises to join.Second,the agency rate is mainly concentrated in between 60%-70%,the main reason for the impact of socialization is the small amount of mutual aid funds,it is difficult to meet the needs of some farmers,loan demand more than 20,000 yuan farmers are reluctant to join.Third,the rural fund mutual aid fund has financial funds and members to pay the mutual financial contribution;government support funds for 16% of the poor households to provide loans,members of the mutual benefit of 8% of poor households to provide loans.Fourth,the poor rural credit cooperatives in the process of running,52% of the mutual aid did not appear overdue,31.1% overdue rate of less than 5%,only three mutual socialization overdue more than 5% overdue mainly with the chairman of the Personal comprehensive quality and management are related.Fifth,the mutual aid society in the removal of staff remuneration and management costs there are remaining,11 mutual aid to the capital increase of more than 20,000 yuan.On the whole,poor rural credit cooperatives operate better.In order to promote the sustainable development of mutual aid societies in the current poverty-stricken areas,the proposal is as follows: First,we can broaden the source of funds for the mutual financial services and provide financial services for more members.Small-scale operation of inefficient mutual aid society to support financial funds,and to develop a sound internal management system;second,in order to attract other funds into the community,part of the rural mutual aid pilot to allocate the second dividend income;The fourth of the establishment of a credit system to reduce the principal risk;Fifth,the training of professional staff for the mutual aid and farmers training and publicity to improve the farmers on the mutual aid of the Famers Credit union Funds;Social understanding and cooperation.