Analysis On The Current Situation And Risk Factors Of Farmers' Funds In Heilongjiang Province

Since 2008,the government has clarified the legitimacy of mutual funds,and the Central No.1 document has also continuously guided farmers to participate in mutual aid organizations,and has standardized the mutual aid organizations.Under the guidance of the government,the development momentum of farmers' mutual-money cooperatives has also been getting better and better,and has achieved certain results.In this context,Heilongjiang Province,as a large agricultural province,is also continuing to encourage privately funded mutual aid agencies or farmers cooperatives to carry out mutual financial assistance.In the early stages of development,it has achieved certain results and achieved certain development in the development of rural financial markets in Heilongjiang Province.The positive role has also further promoted inclusive finance.However,at present,the Heilongjiang Farmers' Funds Mutual Aid Society is faced with multiple risks,hindering the Heilongjiang farmers' mutual aid funds from playing their role in rural finance,and further affecting the healthy development of rural financial markets.In 2018,the Central No.1 document proposed a strategy for rural revitalization.Therefore,it is particularly important to raise the level of rural financial services and solve the problem of rural financing.Based on the importance of Heilongjiang Provincial Farmers' Funds Cooperatives for rural financial services,this paper addresses the face of farmers' mutual aid cooperatives.The risks and solutions have been studied and it is hoped that the farmers will be able to deposit in the healthy and orderly development of the Heilongjiang Farmers' Funds Mutual Aid Society,effectively solve the farmers' problem of “borrowing money”,increase the level of rural financial services,and accelerate rural economic development.This paper takes the Heilongjiang Province Farmers' Fund Mutual Aid Society as the core of the study.Through defining the meaning and characteristics of farmers' mutual aid funds,based on rural financial theory,structural hole theory,and risk control theory,the literature review method,statistical analysis method and qualitative analysis are used.The method of combining quantitative analysis with the analysis of the causes of risk of farmers' mutual funds in Heilongjiang Province.Firstly,on the basis of data collection and field survey results,the status quo and the existing risks of farmers' mutual-cooperatives in Heilongjiang Province were standardized and analyzed.The combination of qualitative analysis and quantitative analysis was used to explore the causes of the risks of Heilongjiang farmers' mutual aid funds and determine the internal causes.The level ofinfluence of factors such as control level,risk assessment mechanism,supervision level,number of talented personnel,and soundness of rules and regulations.Finally,through the above normative analysis and empirical analysis,suggestions were made from the following five aspects:strengthening internal management,enhancing personnel training,improving risk assessment mechanisms,raising regulatory levels,and responding to risks with innovation.