英语论文网

2009 is the new century, China's economic development since the most difficult year . Face of the world economic recession and domestic challenges of natural disasters , the central government rose to the challenge to consolidate and develop the good momentum of rural agriculture . 2010 Central Document No. attention once again to the "three rural " issue, the seventh consecutive year the end result will be the 1st file locked in the "three rural" areas . Mentioned in the document to improve the level of financial services required to actively promote the rural micro- credit loans , accelerating the development of village banks, loan companies and rural mutual cooperatives , and orderly development of micro-credit organizations . In building a new socialist countryside tide , China's existing formal financing channels are: agricultural development banks, rural credit cooperatives , commercial banks ( particularly China Agricultural Bank ) , China Postal Savings Bank. However, due to China's agricultural development banks and rural credit cooperatives is limited, state-owned commercial banks, urbanization, agriculture , lack of motivation after internationalization , the strength and stability of the financial support is not enough other reasons, resulting in inadequate investment in rural development funds , a serious impediment to our financing difficulties stable development of rural economy . Formal financial institutions weakening in the case of agriculture , it is necessary to seek private financing as an effective complement . Therefore, in order to provide better farmers and legitimate private financing channels to become current " three rural" issue is a major focus.

农村合作经济组织，根据其程度的紧密合作，农民可以分为：股份合作社，专业合作社和专业协会的三种基本类型。经济欠发达的福建，北部市场发展水平低，农村合作经济组织起步较晚。

Rural cooperative economic organizations in accordance with their degree of close co- farmers can be divided into : stock cooperatives , cooperatives and professional associations are three basic types . Economically underdeveloped northern Fujian , low level of market development , rural cooperative economic organizations started late . In recent years, northern Fujian support the new rural construction, vigorously develop the rural cooperative economic organizations . As of the end of 2009 , part of Nanping City of Industry, registered in various types of rural cooperative economic organizations, more than 400 of these economic organizations rely on their own advantages , to a certain extent, solve the individual farmer credit rating is low and financing difficulties, self-development ability is not strong problem . Currently, northern Fujian rural cooperative economic organizations financing model has the following four .

在专业协会的背景下，这些贷款的成员，农民专业协会会员联保的形式向银行融资的主要负责人。刷松溪与案例。早期的刷松溪的产品多为家庭作坊式管理，设施陈旧，缺乏抵押物，贷款是有限的。

In the context of professional associations , members of those loans that farmers as the main person in a professional association members UNPROFOR form to the bank financing. Brush massiniana association with Case . Early brush massiniana products mostly for family workshop management, outdated facilities, lack of collateral , the loan is limited. In view of this situation , and rural credit cooperatives massiniana brush enterprise