Research On The Operation Mechanism Of Mutually Fund Cooperation Of Village And Community Type

General secretary Xi Jinping pointed out that the rural financial problem is still a long-standing problem.To solve this problem,efforts should be made in the top-level system and mechanism,encourage farmers to carry out pilot financial cooperation,promote the top-level design and grassroots exploration of benign interaction,organic combination,to build a new financial system to adapt to the development of agriculture and rural areas.To this end,the central government clearly put forward the development of new rural cooperative financial organization reform requirements.At present,China's policy orientation mainly focuses on the development of cooperative financial services within professional cooperatives.General secretary Xi Jinping proposed the implementation of rural revitalization strategy in the report of the 19 th CPC national congress,which clearly requires the change of the concept of "valuing the countryside over the countryside" and the need to get rid of the simple economic thought of only emphasizing industry.In order to revitalize rural areas,it is not enough to focus only on mutual financial assistance of a single specialized cooperative,and other new rural cooperative financial service platforms need to be developed.We believe that village and community cooperative finance has significant advantages in assisting the production and operation of small peasant households,realizing the linkage between village and community,and boosting the revitalization of rural areas.Village of mutual fund is a kind of new mode of mutual funds,and other mutual funds,rural mutual funds adhering to the "membership system,sealing ability,democratic management,do not lend deposit-taking,do not pay a fixed returns,foreign investment,for the purpose of profit",the principle of independent,self-financing,and democratic management,benefit-sharing,risk-sharing,equal rights,the freedom of the voluntary into the club and the drop-off.Village mutual funds and mutual funds and there is a difference,it was based on the village of the boundary and function of pension funds and mutual assistance,according to China's township to build hospital project design requirements,type village funds support must also pursues "run by the local people,manage benefit,by the people" and "business lending out village,promoting the development of credit cooperation,interest income to respect people" principle,is a kind of based on the credit cooperative,the villagers autonomous management,limit of mutual business within the scope of the village,proceeds endowment dividend forms of business.Taking Haotang village in Xinyang,Henan province as an example,this paper analyzes the specific practice,characteristics and advantages of mutual assistance in village funds.There are three main reasons for the recognition and development of village community financial mutual aid: first,there is the internal power of sustainable development;Second,there is an internal mechanism to control risks.Third,it improves the ability of rural grassroots organizations to provide services for farmers and lead villagers' democratic self-governance,thus boosting the development of rural collective economy.The main conclusions of this paper are as follows: first,in the context of market economy,smallholders urgently need cooperation to avoid the trend and fate of "political paupers,social refugees and market pariah".It is urgent for rural areas to rebuild a community of Shared future and develop the rural collective economy to boost rural revitalization.Under the dual management system of the collective ownership of land and the combination of unified and decentralized management stipulated in the constitution,the best way to re-organize farmers and improve the village community is to build cooperative and mutual financial assistance--village community type fund mutual assistance.Second,village fund financial mutual aid is a real farmers own community,compared to the general professional cooperatives mutual funds have to deal with the rural aging,old-age support cooperation,realize part of the property management of collateral circulation,improve the dual operation system,consolidate the collective ownership,give full play to the village two committees organization,implementation,advantages of the villagers' self-government,is one of the most valuable in a variety of operating mode.Third,although mutual funds village type to a certain extent,solve the farmers' difficulty in getting loans,but as an innovative new things because of lack of experience,by the relevant law system vacancy,funds are rich enough,the lack of financing channels,personnel professional quality is low,the system of internal management system defects,the influence of such factors as type village fund support in developing faces many obstacles.