Agricultural Cooperatives Analysis Of The Effect Mechanism For Farmers' Access To Financial Services

Farmers 'financing has always been a hot topic in Agriculture field.It is of great significance to speed up the rural construction and reform and promote the sustainable development of rural economy and society in order to solve the historical difficulties of farmers' financing difficulties and improve rural financial services.Since the implementation of agricultural industrialization policy,China's rural areas gradually promote the scale of agriculture,market-oriented process,the growing financial needs of rural areas,continue to emerge to solve the problem of farmers financing difficulties in practice innovation,especially agricultural cooperatives this farmer organization Showing a certain financial function,which has become an important reason for this study.Through the field investigation of Jing'an,Fengxin,Tonggu and Yifeng four counties(hereinafter referred to as "Changxiong four counties"),the fuzzy evaluation method was adopted to participate in the pilot project of Jiangxi province's ecological civilization demonstration area.This paper explores whether agricultural cooperatives can promote the financing of farmers and then use the structural equation model to explore the impact path and mechanism of agricultural cooperatives on the access of financial services to farmers.Finally,according to the results of the study and the actual situation in Jiangxi Province put forward the corresponding policy recommendations.The results show that farmers can participate in agricultural cooperatives to improve the quality of financial services they obtain.Agricultural cooperatives can act as financial intermediaries between financial institutions and farmers.They can play the information advantage based on the "circle structure" of rural society,The effect of internal and external factors on agricultural cooperatives,the influential factors of agricultural cooperatives,and the quality of financial services.The endogenous influencing factors and external factors of agricultural cooperatives have different effects on each other.Farmer experience,exogenous influencing factors and the experience of rural households have a significant direct impact on the quality of financial services.The influencing factors of internal and external students have indirectly affected the quality of financial services through the experience of farmers.This paper expounds that agricultural cooperatives can improve the quality of financial services by pooling talents,transferring land,information and science and technology,reducing the financial cost,improving the level of farmers' protection and credit consciousness.Put forward the proposal to support and standardize the scale development of agricultural cooperatives and improve the construction of rural financial system.