| Farmer cooperatives are emerging agricultural production organizations in recent years,and are also realistic ways to effectively overcome the problems of "agriculture,countryside and farmers".They are also important carriers for realizing modernization and organization of agriculture.Over the years,the Chinese government has attached great importance to the development of new farmer cooperatives.In the strategy for the rejuvenation of the country under the report of the 19th CPC Congress,it clearly stated that "cultivating a new type of farmer specialized cooperatives" has brought development opportunities to the development of specialized farmer cooperatives,By the end of 2017,there have been a total of 1.969 million farmer specialized cooperatives in our country,20 times more than in 2010,with an average of 2.9 farmer specialized cooperatives per natural village.However,while fully understanding the peasant cooperatives in our country,the peasant cooperatives are also prosperous.At the same time,there are also some difficulties such as financing difficulties and high financing costs.Therefore,it is necessary to study the financing problems of peasant professional cooperatives.This paper,first of all,guided by Macmillan's gap theory,industry chain financing theory and information asymmetry theory,analyzes the promotion effect of finance of Zaozhuang City on farmer cooperatives.Secondly,it discusses the financing modes of Zaozhuang Farmer Cooperatives,For example,the introduction of land management right now mortgage loan model,the agricultural industry chain loan mode,the UNPROFOR loan model,the government credit extension model.Third,taking Zaozhuang Xuecheng Huixin Aquaculture Professional Cooperative and Zaozhuang Tancheng Chengxin Land Stock Cooperative as examples,the author systematically studied the problems in their financing process.After research,it concluded that the financial institutions have less financial products to professional cooperatives,Less collateral and less loan amount to meet the needs of professional cooperatives.In-depth analysis is made of the reasons leading to the financing difficulties,including "financing difficulties" due to the factors of cooperatives themselves,lack of rural financial institutions and "financing difficulties",Imperfect government policy guarantee system leads to "three reasons of financing difficulty.Finally,we put forward countermeasures and suggestions from the perspectives of government,financial institutions and modern agricultural operators.Government departments should improve the legal policy support framework and strengthen the fiscal policy support,Increase the supervision over the creators of farmer cooperatives;financial institutions should strengthen the innovation of credit products,innovate the mortgage guarantee mode and innovate the financial service mode;farmers' specialized cooperatives should enhance the carrying capacity of credit,cultivate outstanding management personnel and make rational use of finance Products and so on.Based on the comprehensive and systematic introduction of the financing status of Zaozhuang Farmer Cooperatives,this paper explores the problems leading to the financing difficulties and expensiveness of cooperatives and puts forward the countermeasures and suggestions to solve the financing difficulties of Zaozhuang Farmer Cooperatives.,also provide reference for some City to fully overcome the financing problem。... |
