Research On Financing Demands And Its Availability Of Members Of Agricultural Cooperatives

With the development of rural areas,agriculture and peasants,the difficulty of financing for rural households has constantly been a key issue that cannot be ignored.Peasants' professional cooperatives are the organizations that have emerged in order to resolve the contradiction between peasants' small-scale production and large-scale markets,reduce the risks and uncertainties where peasants are faced during their participation in market competitions,and increase transaction efficiency.How can the establishment and development of peasants' professional cooperatives participate in and influence the financing behavior of rural households,and how large will be the impact on the demand and availability of peasants' households for financing,and what role will they play in promoting the financing difficulties of peasants?At present,domestic and foreign researches on peasants' professional cooperatives mostly focus on the rationality and the nature of peasants' professional cooperatives,institutional arrangements and operating mechanisms,performance,and willingness of peasants to participate in the society;the research on peasants' financing focuses on the behavioral characteristics and its influence.Research on the development of cooperatives from the perspective of peasants' professional cooperative members and the impact of peasants' households participating in cooperatives on their financing has rarely been seen.The purpose of this thesis is to investigate the position and influence of cooperatives in the financing process of rural households by taking into account the financing needs and their availability of the members of cooperatives,and thus propose a new approach and perspective to alleviate the financing difficulties of rural households.Based on a large number of related theories and essays,this thesis interviews and investigates the status quo of the financing of 291 peasants' cooperatives from a number of prefectures in Shaanxi Province.Through the collection,collation and analysis of data,the dual-factor Logit model and the orderly multi-categorized Logit model were used to study the influencing factors of the financing needs and availability of farmer professional cooperative members,respectively,resulting in constraints and influence on cooperatives.The peasants' financing needs and availability factors have found that peasants' professional cooperatives play an important role in the financing of rural households,and finally put forward proposals to promote peasants' financing availability,development of cooperatives,and to solve the financing difficulties of peasants.The main contents of this dissertation can be summarized as following six parts:The first chapter introduces the background,purposes and significance of the study,summarizes the relevant research at home and abroad,and explains the research ideas and the research method of this thesis.The second chapter introduces the correlative theoretical foundations for peasants' professional cooperatives and peasants' financing and provides scientific basis for follow-up empirical analysis.The third chapter analyzes the current situation of peasants' financing in agricultural cooperatives in Shaanxi Province,and introduces the descriptive statistical analysis of data sources and the basic situation of rural household financing.The fourth chapter studies the influencing factors of peasants' financing needs of agricultural cooperatives.The results reveal that in addition to the influence of peasants' own characteristics and family characteristics,the characteristics of the cooperatives and the external environment also have a significant impact on the financing needs of peasants.The fifth chapter studies the influencing factors of peasants' financing availability of agricultural cooperatives.The results showing that the factors such as the operation period of the cooperatives,the size of the registered capital,the demonstration level,and the financing model have a significant influence on the financing availability of the peasants' households.Chapter Six draws conclusions from the analysis of this thesis to propose policies and suggestions for promoting the development of cooperatives and alleviating the financing difficulties of rural households from the three levels of government,financial institutions and peasants' professional cooperatives.