Research On Financing Problems Of PY Fruit And Vegetable Farmers' Professional Cooperatives

As China's new rural construction and development of farming mode in the event of the change from the traditional to turn the world upside down,households scattered farming to intensive,mechanized cooperative mode,the birth of various types of fruits and vegetables,grain and other cooperatives,improve the utilization degree of cultivated land and rich farmers.Rich fruit and vegetable is an economic farmer specialized cooperative specializing in planting grapes.After many years of popularization and development,significant application results have been achieved.With the growth and development of abundant fruits and vegetables,it needs more money to expand production and help more farmers to become rich.This thesis analyzes the general development situation of HSBC fruit and vegetable cooperatives,describes the current situation of management of HSBC fruits and vegetables,through investigation and study,the HSBC status of fruit and vegetable capital requirement and common financing channels,and further understand the abundance of fruits and vegetables to financing problems,these problems include less financing,capital constraints of cooperatives the development of loan approval is very difficult,the amount is very low,very few financing guarantee institutions,financing ability is very weak,HSBC and the capital market is not perfect,the financing channel is not conducive to the development of cooperatives and strong.Secondly,the reasons for the financing problems of the HSBC fruits and vegetables,the main reason is the two factors of farmer cooperatives own reason and the macroeconomic environment is very scarce,its economic strength,the lack of institutional basis to attract investment,has not formed a good interest distribution mechanism,financial management system is not perfect,the confidence of cooperatives the degree is not high,the lack of financial institutions such as financing support,government support is also very weak.Therefore,this thesis from the European and American countries and domestic earlier development of farmer cooperatives financing mode,the total cost of financing efficiency,maximize the minimum financing cost,less than the total revenue,financing to choose the best financing opportunities and reduce and avoid the risk of financing principle,and puts forward some countermeasures to strengthen the financing abundance of fruits and vegetables,its own capital strength,financial management system of cooperative innovation,establish and improve cooperation governance mode,giving shareholders more financial support and rights,enhance the depth of cooperation financial organizations,financial organizations get more support,to ensure that the development of fruit and vegetable growing and HSBC have more funds,multi-channel financing,and jointly promote the development of cooperatives.