摘要:合作经济组织,农民可以得到贷款大多是短期贷款,这种情况下,农民种植了大量的时间与实际需求不匹配。获得贷款的农民通过合作经济组织,但是,还没有来得及向农民出售他们的产品结果,贷款即将到期,导致农民无法偿还。另一方面,有限的资金渠道,特别是农业生产的关键时期,农民的资金需求迫切的需求,互助基金的小规模农户的需求量很大,具有明显的矛盾。
damaged , so that UNPROFOR between farmers or the Economic Cooperation Organization guarantee not only would not achieve the role of mutual protection , but may occur on the whole industry chain related body incapable of repayment situation. Also, because the lack of rural cooperative economic organizations and diverse financing and risk diversification compensation , resulting in many rural cooperative economic organizations is difficult to obtain the support of financial institutions .
Organizational strengthening standardized management. Rural cooperative economic organizations must be under conditions permitting , professional management staff as a manager , the scientific management of the organization . Strengthen the organization and internal management, especially strict loan approval links, to prevent farmers the funds for other purposes, this alienation of funds with high risk behavior , and only under the supervision of the professionals , farmers earmarked to get effective prevention . Rural credit cooperatives and other financial institutions can also cooperative economic organizations to provide technical guidance to help them improve the management of the organization .
Accelerate the establishment of a sound legislative regime . Development of rural cooperative economic organizations are not standardized and law is unclear , the lack of relevant legislation have a great relationship . Therefore, to promote the rapid development of organization , do a good job building laws and regulations , the development of rural cooperative economic organizations comply with local regulations and supporting the status quo
constitution, the relevant departments to strengthen the rural cooperative economic organizations regularly inspectors to guide organizations to standardization and systematization forward direction .
Enrich cooperative economic organization of mutual aid . One should further standardize and improve the linkage mechanism of supply and demand in mutual funds , while raising the loan ceiling modest scale . Mutual funds as a mutual aid organizations , should the rights and obligations of members of the organization , namely members of the borrower to pay the amount of mutual funds and establish a direct correspondence between , or to establish a fund with the members of the increase in demand for gold automatic mutual aid expansion mechanism , while increasing the upper limit on the size of members lend funds to attract more funds to achieve full funding goal. Two forms of mutual aid is set to enhance the attractiveness of gold . As the economic situation and income levels are different, the number of members of temporarily idle funds more or less , the time have long or short , capital requirements vary greatly in size , joining the cooperative economic organizations have different expectations and ideas , therefore, should be set of rights , obligations, loan interest rates, income distribution and other aspects of different types of mutual aid , the different needs of different members of docking to attract more members and money. Three is the implementation of short-term borrowing interest-free system . For shorter borrowing of funds , if the repayment schedule , the implementation of interest-free system, not only can fully reflect cooperative economic organizations mutual purpose, mutual funds can also be accelerated turnover , increasing funds available per unit time .
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