Research On The Problems And Countermeasures Of Farmer Professional Cooperatives Internal Mutual Fund Organization In Shandong Province

The In the first time in 2014,the central "No.1" put forward the development and operation of the well-running farmer cooperative,and cultivated the rural cooperative finance.In the end of2014,the Shandong Provincial People Government submitted on the implementation of the pilot of the new rural cooperative finance,and conducted a pilot application on the basis of its own good agricultural base and the broad-based and solid foundation of the farmer professional cooperative.The following year,the approval of the State Council and the approval of the CBRC shall be obtained.Since then,Shandong became the first pilot province of China first farmers cooperative credit and mutual assistance business,and opened the beginning of a pilot project on mutual fund for farmers co-operatives.From the period of 2015 to 2017,the central "No.1" successively issued a reference to the in-depth exploration and further expansion of the coverage of the pilot of mutual funds on the basis of the farmers cooperatives.After this,relying on the farmers cooperatives to carry out the mutual fund mutual assistance in many regions to present the booming situation.After more than four years of exploration and development,the pilot growth of the credit and mutual fund business of the farmer professional cooperatives in Shandong area has grown rapidly and the experience is rich,all of which provide the country with the experience of being able to replicate and promote.However,in the process of promotion and improvement,some defects are still exposed,and some countermeasures should be put forward to solve the problems.On the basis of this,it is of great theoretical value and practical significance to study the mutual funds of the farmers in Shandong area.This paper,based on the internal funds mutual aid organization of the farmer professional cooperative in Shandong Province as the research object,through the definition of the concept,the characteristics of the mutual funds organizations in the farmer professional cooperative,and the unique points of the comparison with other rural financial institutions,The paper also expounds the relevant theories of the development of the internal mutual funds organization of the farmer professional cooperative.On this basis,according to the data collected by the official platform of Shandong Provincial Bureau of Financial Supervision and the official network of Shandong Provincial Bureau of Statistics and the information and information obtained from the field investigation,the present situation of the development of the internal mutual funds organizations of the farmer professional cooperative in Shandong Province is analyzed and analyzed.In addition,the problems faced by the organization are explored,which mainly covers the blurring of the legal qualification of the subject,the obvious gap of the seasonal working capital,the confusion of the operation,the existence of the arbitrage,the weak ability of the repayment guarantee,the unclear responsibility of the supervision department and so on.Then,the specific cause analysis of these problems is made,the legal status of the subject is not clear from the external environment and the inside of the organization,the guiding function is not fully exerted,the effective supervision mode is not matched,and the business process setting is not sound,The lack of professional ability of management personnel,limited resource mobilization channel,weak binding force of mutual aid mode,prominent member heterogeneity structure,lack of risk prevention and control measures,etc.Based on the above analysis,the influence factor analysis and the dynamic relation verification are carried out through the GMM model and the impulse response function,and the effect of the influence factors on the development of the fund mutual organizations is explored,and the positive and negative effects are analyzed;And further analyze the dynamic relationship between each influence factor and the development of the fund mutual aid organization.Based on the results of the empirical analysis,from the two aspects of optimizing the external environment and perfecting the internal management,the author puts forward the establish subject legal qualification,strengthens the parallel of policy support and supervision,and broadens the external financing channel;the establishment of the business process,the improvement of the professional ability of the management personnel,the establishment of the credit reward and punishment mechanism,The design of the interest rate of the diversified loan and the promotion and cultivation of the awareness of credit mutual assistance.This paper focuses on the operation process,credit reward and punishment mechanism,loan interest rate pricing and so on,in order to provide some assistance for the promotion and development of the mutual funds organizations based on the farmer professional cooperative.However,in terms of ability and research materials,this paper makes no more detailed exploration on such aspects as the design of mutual aid insurance,and it is expected to strengthen the relevant aspects in the future research.